(So if I disappear, you know what happened oh and tell my mom I love her)

If you’ve pulled up your credit lately and you can’t believe what your credit score is, you’re right there with lots of other people. It seems as if millions of Americans have recently seen a drop in scores that used to be good and like many, they are struggling to make sense of this situation.

We all know that lower scores means less ability to get the things you want and deserve, but in this case, the credit bureaus might be holding information that is actually harmful to you and your way of life and that information might very well be incorrect!!!

There are a few things that you need to know about the credit bureaus and your credit score that will help you to see that it’s entirely up to you to make sure that your credit is okay.  You might be surprised by what you find, but try not to be. Once it sinks in, this can be some of the most useful information you ever encounter.

Yes, this is so sad, but so totally true.  The credit bureaus aren’t going to take the time to make sure that the information that goes onto your credit report is good because it costs them money and there are just too many of us who have credit to be able to do this with every person.

In fact, you will find that any time you deal with a credit bureau you encounter all kinds of stall tactics and “verification” letters. 

Don’t just assume that because you have information on your credit report that it’s true.

Instead, take the time to really look at what’s on your credit report and do what it takes to get that incorrect information removed from your report or you’re going to suffer and the credit bureaus won’t care.

In the land of credit repair it often turns out that you’ll do what it takes to try to improve your credit score and clean up your credit report, only to find out that your letters have been “red flagged” or the incorrect information has been “verified”.

Now, you might know that this is a bunch of crap, but you feel stonewalled and stuck in a situation that you cannot win.  Yup, been there – I know how it feels.  The thing is that a “credit bureau” has a certain method that will automatically “red flag” your verification request so that they don’t have to address it.

Seems like some dirty tactics, but it’s their way of saving money and the worst thing is that the credit bureaus are planning on the average person being too ignorant to know how to get around the system. This allows them to do whatever they want no matter whether it’s against the law or not because the average person doesn’t know their credit rights.

The best thing you can do to improve your overall credit score and make sure that you have the credit you want and deserve is to know how to play the system.  For instance, if you’re working on cleaning up your credit, you need to know how to get your verification letters to go through to a real person.

You also need to know what you should be saying if the credit bureau says that they “verified” your inaccurate information.  When you know how to get past all the loopholes that credit bureaus are working with, then you can truly begin to improve your credit and your lifestyle.

Another thing that you should know is how to keep your credit good once you’ve got your score up.

You need to know that the credit bureaus are going to “blackball” you for being debt free.  See; if you have no debts, then these big corporations can’t keep track of your spending habits and are unable decide whether you’re a good risk or a bad one.

This means that although you pay your bills on time and like to have no debt at all, the credit bureaus are going to give you a low credit score because they can’t see what’s going on with you.

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