If you are unable to open a checking account or have recently been turned down for a loan then it is highly likely that the problem is on your credit report. Large companies such as Experian and Transunion are bound by law to allow you to view your credit report free of charge at least once a year. Even if you have not experienced any problems as yet it is a good idea to take advantage of the fact that you can see your credit report as this could save you problems in the future. Errors do occur and this can affect your credit rating, if you have an adverse credit rating and you need to sign a tenancy agreement, you could find that your application to lease an apartment is refused due to bad credit. If this happens to you then you should ask to see your credit report and make a note of any entries on the report that are outdated and should have been removed, or other items that you believe are there in error. Once you have a list of the items then you need to contact professionals like Vivix Credit Solutions network of credit solutions to help you get the items removed and your credit rating adjusted accordingly.

You may feel that credit bureaus should notify you about your credit report, but they are not required to do so, which is why it is so important that you take advantage of the law that allows you to see that report once a year. If there is anything on the report that has been there for more than seven years then you have the right to have that item removed. Other items that should be removed from your credit report are judgments that are older than seven years and any paid debt that is still listed as unpaid, although you will need to have proof of this last one. If you have a debt that has been passed onto someone else and both creditors are listed then you have the right to have the original creditor or collection agency removed from the report. You need to be very specific when you apply to have an item removed from your report, you will also need to supply evidence of your identity and any documentation relating to your request – without these your request may not be granted. While you can write to the company yourself, getting errors removed can take time for an individual, the process is often much quicker when you have help. Get professional help as soon as you realize there is a problem as the right company can help you to repair your credit.