Start Fixing your credit today!!!  The only thing you legally need to supply the credit bureaus for a copy of your report is your name, your social security number and a legal mailing address (P.O. Box is a legal address). If you don't want to chance harassment by creditors at this time, it may benefit you to acquire a P.O. Box. Did you know that many of the collection agencies are owned by the credit bureaus?

How To Deal With Credit Denial
Author: John Simpson
Understanding what's on your credit report is extremely
important. Especially, if you have applied for credit and
the creditor denied your application.

If you are denied credit, do not ignore this fact. Most
individuals will move on to the next creditor, never
questioning why they were denied or asking vital
information.

If a creditor denies you credit, be prepared to ask several
questions. You may feel uncomfortable or embarrassed at
this point; however, this is your life and showing concern
is showing responsibility.

* Question 1: Why was I denied credit?
This question is the most imperative of any question you
may ask. In some cases the creditor will not know why you
were denied. Most frequently a creditor will respond with a
quick answer, such as:

1. Not enough credit history;
2. Low credit score;
3. Several delinquent accounts and/or to much debt.

With this information you are able to determine if it is
necessary for you to order your credit report. After being
denied credit from a creditor, you are able to obtain a
free copy of your credit report from the credit bureau
within 60 days of your denial.

* Question 2: Which credit bureau do you use to supply
customers credit reports? You will need to know the credit
bureau who supplied your credit information to the
creditor; in order, to request your free credit report.

* Question 3: May I please have the contact information for
the credit bureau, along with a copy of the denial letter
provided to you?

The creditor should have no problem providing this
information for you. You will need the contact information
of the credit bureau in order to contact the bureau and
request your free credit report. The contact information
should include a toll free number and possibly a website
address.

You may want to keep the denial letter for your records.
The denial letter may include vital information and also,
the date of your denial.

After collecting all of the necessary information, your
next step is to contact the credit bureau and request your
free credit report. You are able to review your credit
report and argue any inaccuracies; however, this process
may take several weeks.

So, credit denial doesn't have to mean you can't get the
finance you need. Just follow the above steps and you'll
soon be back on the road to good credit worthiness.
===========================================================
Find out how to repair your credit. Discover why a good
credit report is vital to your financial future, and how to
make it the best Click
http://www.credit-repair-101.com/

** Attn Ezine editors / Site Owners ** Feel free to reprint
this article in its entirety in your ezine or on your site
so long as you leave all links in place, do not modify the
content and include my resource box as listed above.

About the Author

John Simpson works in software development. A few years
ago, he got in trouble with credit card debts. Now he's
written a series of articles explaining how he recovered,
and repaired his credit.

Best Online Credit Repair Resources

Featured Credit Repair eBooks: