Visual Credit Counseling

Myth #1

Information on a Credit Report Is Irreversible

Truth: A credit report is not static. It is dynamic, meaning it moves and changes based on your credit activity. It is the responsibility of a creditor to report all activity, including good and bad credit. Any changes that are requested and legitimate should be updated as soon as possible. In addition, consumers have the right to question anything they feel is not accurate on their report. Part of credit counseling is making sure your credit report is accurate and fair. Any questions should be directed at the credit bureau. If a creditor is misrepresenting your information, you need to talk to that creditor and ask them for evidence of the false information. You may dispute anything that appears on your report, and with proper documentation, can usually have it removed.

We can help you review your credit report and offer counseling on how to improve it. We are here to help, so please let us!

Myth 1: Information on a credit report is irreversible.

Myth 2: Credit bureaus are a division of the government, and thus wield the same powers as a government body.

Myth 3: Bankruptcies are a permanent negative mark on your credit report.

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Visual Credit Counseling 1870 W. Prince Rd. #39 Tucson, AZ 85705

Tel.: 1-877-606-6144
Fax.: 1-877-909-0945
e-mail: vcc@visualcredit.net