Do not let erroneous credit reports hamper your financial future

‘To err is human’ – we have been hearing this old saying in our moral science classes during our school days. Now that we have come of age, let us include this in the credit scenario also. In other words, errors in credit reports are a common occurrence but it can have a devastating impact on your credit life if these errors remain unnoticed or are not corrected at the right time. Some of the common credit report errors include outdated personal information, mistaken or fraudulent accounts, and incorrect account details. These mistakes are usually committed by credit data furnishers who are responsible for collecting your credit related information which are further collated by credit bureaus like Cibil.

Your credit report contain your credit score which is an amalgamation of information related to whether you pay your bills timely, if you’ve been sued or arrested, or have filed for bankruptcy. This credit report comes to play when you decide to take house loans, car loans, credit cards, insurance, mortgage, etc. it is also required at the time of applying for telecom connection, employment opportunities and much more. Before giving you the approval, the financial institutions will first cross check your credit report with the bureaus. Only after they are satisfied that your report is okay will they approve your requests.

Since your credit report is furnished during such important times, it goes without saying that a simple error might spell doom to your aspirations. But how will you know if there is any error at all in your report or not? A simple solution to it is by applying for your credit report online. It is easy and fast. All you have to do is search for www.cibil.com, create a user login, fill in the form, make an online payment of Rs. 470 and you have the Cibil credit report in your given email address.

Once you have a copy of your report, you can check it for errors, if any. In case you find it, embrace yourself to dispute it. However, before you start, make sure it is not a trivial issue but a grave one so that it is worth taking up the cause. To start with, be ready with proper documentation to support you claim. For more clarity, underline or circle the error on the report and send it to the bureau along with your dispute letter. Remember to keep copies of it for your own records.

After your letter reaches the credit bureau, they will start investigating the error by forwarding your supporting documents to the data furnishers. Once they receive the complaint, they must act promptly on it by investigating, reviewing and coming up with the correction. They should also revert to the credit bureaus once they finish correcting it and should also update the changes in your credit report. After that is done, the credit bureau will give you a copy of your report and mention the changes properly in writing. If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to provide your statement to anyone who received a copy of your report in the recent past.

So, you can see for yourself how harmful an erroneous report can be for your future prospects. Hence it is only right to nip it in the bud and remain vigilant in the future. It is not uncommon for your report to contain errors. But to contest the point, you also should have all the paperwork ready so that you can furnish it if required. To help you out during such moments of crisis, there are credit health improvement companies like Credit Sudhaar who can help you get out of such troubles in the most efficient and professional way. The company has over the years earned recognition of providing notable services to over 3, 500 clients and have never once failed in delivering positive results.

They offer customized services depending on the kind of problem you are facing. But one thing is for sure – that they will always come up with solution that will only secure your financial future. Credit Sudhaar has a very competent team of professionals who are specialized in everything related to credit. So you can easily bank on them if you are facing any problem that might hamper your credit score.

Credit Sudhaar is India’s first Credit Health management & improvement company whose goal is to help clients to Restore, Enhance and Protect their Credit and make them credit healthy.

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What Is The Black Visa Card?

The Black Visa card is a good credit credit card issued by Barclays. The card was launched as a direct competitor to the American Express Centurion card, and in this article we review the card and summarize whether or not it is a good choice for those seeking a new credit card.

The first interesting point to note with the Black Visa card is that it is made from carbon graphite, making it something of a stand-out product when it comes to aesthetics. The card is designed to be individual and is promoted on its exclusivity, as less than 1% of US residents are eligible for the card.

The idea with the card is that it is promoted to high earners and those with excellent credit ratings. This means that those who have medium or poor credit scores should not even bother applying for the card, as a refusal will simply damage their credit rating even further.

As the name indicates, the card in question carries the Visa logo. This means that it can be used to pay for products and services at anywhere that accepts this method of payment. In this respect it has a slight advantage over the American Express Centurion credit card, as Amex is not as widely accepted as Visa.

Another advantage for the Black Visa card over the Centurion credit card is that the annual fee is lower. Cardholders are required to pay $ 495 per year as a maintenance fee, as opposed to the $ 2,500 payable by those that own the Centurion card.

The exclusivity of the Black Visa is its biggest selling point, and simply having the card in your wallet can almost guarantee you entry to exclusive nightclubs and top restaurants around the world. It is at this point that the piece of plastic becomes more than a method of payment, and becomes a status symbol.

Those who are thinking about applying for a Black Visa card should be aware that the application process is extremely thorough. If you manage to successfully negotiate this you will likely be rewarded with a credit limit of several hundred thousand dollars, if not a figure above one million dollars.

Another interesting feature of the card is that it comes with a concierge service. This allows cardholders to request virtually anything, at any time, in any place and Barclays will provide it. This is an extremely unique feature that is found on just a few cards currently on the market.

In summary, the Black Visa card is an extremely high end product that cannot be compared to a regular credit card. Only think about applying for the card if you are extremely rich and successful otherwise you will likely be disappointed.

For more about the black Visa card and other excellent credit cards visit us also you can find out about points credit cards.

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