If you are not able to keep up with your mortgage payments, the prospect of foreclosure —and with it losing your home—can be daunting. Still, foreclosure is a rigorous legal process, and you have certain rights based on state law along with the mortgage documents you signed. Knowing your rights can help you navigate the foreclosure process as smoothly as possible, or even avoid it if your lender violated any foreclosure requirements. Here's what you need to know.
Sample Letter for Disputing Errors on Your Credit Report with Information Providers
Tips for Writing Effective Dispute Letter to Creditor - Free Letters
Negative items such as late payments can leave a lasting impact on your credit report and score. Check your old paperwork and find out when the filing date was. From there, figure out how close you are to reaching the seven-year threshold. You may be relatively close to having it drop off. For instance, could you hold off on applying for a new credit card or loan?
How to write a credit dispute letter that really works
Credit reports are extremely important for adults who plan to get a credit card, apply for a job, buy a house, have utilities turned on, or a host of other activities. Your credit report can be the difference between qualifying or getting rejected for these things. For this reason, it's critical to check your credit report for errors on a regular basis.