how to wipe your credit report clean

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How To Wipe Your Credit Report Clean – 3 Basic Steps

How to wipe your credit report cleanWhy would you wish to wipe your credit file clean? With a bad credit score, applying even for a cellular phone deal is usually a nightmare. Cellular phone carriers will first off take a look at your credit history before approving your application. With a negative credit rating, no cell phone provider will ever consider approving your application. Now, if bad credit ratings can get in the way of obtaining a cellular phone long term contract, imagine its effects on let’s say a mortgage application. Negative credit score makes certain zero success rate on loan applications. Say goodbye to any chances of obtaining a mortgage with a negative credit history.

Thankfully, there is a approach you can fight this delicate situation. It will take some commitment, but the final result is well worth the effort. Before diving into the three basic techniques you can use to wipe your credit history slate clean, a warning is perhaps necessary. Credit card history cannot be cleared overnight. All those agencies boasting that they can make your credit problems disappear overnight are probably a scam. Be aware while dealing with them. It takes perseverance, resilience and a bit of patience to clean your credit card history.

Here are the simple ways one should follow to be able to clear any smudges on their credit card history.

Three Simple Steps Of Wiping Your Credit Report Clean

Step One: Use The Low-Limit Credit Card Strategy

Get hold of a low limit credit card, even if you do not need it. Make small charges on it every month. Do not get over thrilled here; simply make small charges you can pay off without difficulty once the bill comes. The idea here is to make payments when they’re due, at all times. Your creditor will forward your payments report to a consumer reporting agency. If you satisfy your creditors responsibilities, this will go into your credit card history. Essentially it will bury all the negative history leaving you with a sparkling clean credit profile.

Step Two: Ensure that Any Credit Repayments Are Processed To A Consumer Reporting Company

This is yet another method to clear your credit ranking. If you do manage to acquire a bank loan, adhere to the repayment plan. Never miss a date. As you continue paying up on your loan, make sure the creditor reports back to one of the top consumer reporting companies on your progress. This will wash up any smudges on your credit standing.

Step Three: Challenge Erroneous Information On Your Credit standing

If you dispute any item featured on your history of credit, write to the consumer in question as well as the creditor who forwarded the questioned items. The letter should be accompanied by records supporting your position. The law requires them to examine into such claims. If you are right, the item is removed from your history, essentially clearing up your credit rating status.

These are straightforward do-it-yourself ways to wipe your credit report clean without involving a third party.

2 Ways to Permanently Wipe A Mac Clean Before Selling

Looking for a solution of this type that can be used to protect remove the Macintosh hard drive before reselling your old Mac machine, so have to worry about people (mostly computer geeks) has any chance of data recovery from the old computer! It gets to the right place and focus on the need to clean Mac and how doing the work in selective options, based on the particular circumstances.

Sulution 1: Thought Empty Trash to Delete Files Permanently? NO!

You are simply wrong! The fact is - when you empty the Recycle Bin, or using other similar methods (such as Command + Shift + Del) to remove unnecessary files you though that prevented the trash, then almost certainly still recoverable. Because the files are not actually deleted. What happens is that there are no more files regarding the Macintosh operating system (HFS +), is concerned and the space they occupied becomes available for reuse by other files.

How to wipe your credit report clean

But the disk space does not get reused immediately for the data presented in the deletion will remain on the hard disk for the future to come. Usually, it will take weeks, even months to make those deleted files "written on" the new data generated. These data are highly risky, because they can be recovered if a bad guy get your Mac!

Solution 2: Wipe A Mac Clean with Data Wiper Software (Recommend)

Simple deletion will not far enough to permanently remove your private data from your Mac hard drive, it just remove the corresponding data entry for each file. The original data still resides on the Mac hard drive and can be easily recovered using any data recovery applications. So in order to wipe your sensitive data beyond recovery, the deleted data must be overwritten many times with new data algorithm. The most efficient solution to clean Mac safely without the CD is data wiping program.

If you prefer a pure gum Mac program, Safewiper Data Wiper Mac can be a good program to wipe sensitive data from both the physical and the logical drives. It offers two scan modes "File Wipe" and "Drive Wipe" which can be used to effectively delete a series of files and Mac wipe Mac hard drives. The tool is completely easy to use as it requires no special skills. Once a drive has been wiped, it cannot be recovered using any recovery tools.

  • • Wipes selected files and entire folder on Mac
  • • Completely wipes Internet browsing data, system traces, recent file histories.
  • • Permanently erases Mac hard drive without restore.
  • • Allows to schedule the wiping process and wiping time.
  • • Wipes recent Ffile histories and free space
  • • Compatible with Mac OS X 10.7, 10.6, 10.5, and 10.4
Step 1 Download and Install the Wipe Mac Application, Run It.

Download and install the program on your Mac, then launch the program from desktop shortcut.

How to wipe your credit report clean

Note : As you can see, it offers three wiping options for your needs, "Erase File/Folers" and " Wipe Drive" and "Wipe Unused Space" , you seleect the one based on your actual needs.

In this article, we take the "File Wipe" as an example to explain how it works. Select the "File Wip" and next,

All of your hard drivers will be listed on the right, then, choose the drive which needs to be completely wiped off and click on "Next9quot; option.

How to wipe your credit report clean

You can see there are 6 data wiping options designed for your choice, eachВ isВ targeted forВ different wiping needs.

For example "Wipe internet avtivily" can wipes all Internet activity traces and temporary Internet files, including URL you typed, online forms you filled, users names and password you entered, browsing history, temporaryВ files it created.

How to wipe your credit report clean

In some wiping option, you'll be required to choose the essential shredding pattern based on the requirement, you can easily select the security levels. Click the "Start wiping" button to start to wipe the selected the data. After the wiping process is complete, an intimating message will be displayed.

How to wipe your credit report clean

As you can see, all of your sensitive data will be completely wiped without restore. So, when you plan to resell your Mac computer, you should be aware of the data security isn't highly crucial and you must keep in mind that simple deletion or emptying the "trash" will not totally erase all your personal data away, using some free data recovery apps those deleted files can be easily recovered, others can easily reopen and rebuild your personal data. So to permanently wipe a Mac clean without recovery, you'd better try this Mac wiping software, it has built many advanced wiping algorithmВ that can automatically wipe your hard drive or selected sensitive data. It makes impossible to get back files by making use of any recovery tools.

How to Wipe Out Bad Credit and Rebuild Your Credit Report

Most people who have bad credit think there is nothing they can do about it. They mistakenly believe that they have to live with their bad credit for a long time.

You don’t have to live with bad credit or pay hefty fees to have your credit repaired. You can remove bad entries in your report and rebuild your credit profile. You don’t need to spend a fortune to accomplish this. Armed with the right information you will be on your way to rebuilding your credit record.

Credit bureaus are required to delete items that are not 100% accurate or cannot be verified within a reasonable period of time. Also, outdated information must be deleted.

The first step in repairing your credit is to get a copy of your credit report. You need to know what the credit bureaus are saying about you. By law, you can get a copy of your credit report, for a fee. However, if you have been denied credit within the past 60 days, then you can get a credit report at no charge from the credit bureau.

When you receive your report, examine it carefully. Damaging information may appear in your report wihtout your knowledge. Make sure all information is current and accurate. Identify any incorrect or inaccurate information that has been entered into your report. Pay close attention to all the accounts listed on your report. Mistakes happen all the time. Make sure you do not overlook any errors.

You can have damaging information deleted from your credit report. You have the right to dispute incorrect or misleading information on your report.

To do this, complete the dispute form that you received with your credit report and return it to the credit bureau. Be sure to send your dispute letter certified mail, return receipt requested. This will provide you with a paper trail and help you remember when to follow up.

If you dispute an item, it must be reinvestigated and deleted if in the event the item is found to be false or unable to be verified. By law, if the credit bureau does not respond within the alloted time, then the disputed item must be deleted from the report.

Another way to smash negative credit remarks on your credit report is to take advantage of the “100-word consumer statement” which allows you to file a brief statement detailing your side of the story and submit this to the credit bureau, for inclusion in your report.

Once your credit report is updated, you should request that the credit bureau send updated copy of your report to any businesses that checked your credit within the past six months (or two years if it involves employment).

Now that you’ve removed the negative entries, it’s time to rebuild a good credit report.

One way to add positive information to your report is by taking out a small loan backed by funds in your savings account. When you pay off the loan, your security deposit will be released to you.

You can also build credit by having someone with good credit cosign on a loan for you. This strategy can speed up the process of rebuilding your credit.

Having a secured credit card can help you build or rebuild your credit. To obtain a secured card, you are required to deposit money in a savings account to guarantee the charges. The deposit is frozen and left untouched until it is obvious that you have defaulted. So make sure all your payments reach the company before the due date. Always stay within your credit limit.

If you ever wanted to wipe out your bad credit and rebuild your credit report, now you can. A good credit record can make your life easier and more enjoyable. Take action now.

Your Credit Score Might Be Better Than You Think. Here’s Why

You aren’t, and neither am I.

But neither are the credit bureaus who compile your credit history or the creditors who report to those bureaus.

If you have some splotches on your credit report, the odds are at least some of those black marks are there by mistake.

The good news is, it’s not that difficult to repair a flawed credit report. While accurate, verifiable and complete data must stay on your credit report for up to 10 years, you can wipe clean a lot more negative data from your credit report than you might otherwise expect.

And you can do this yourself. You don’t have to hire anyone to do this for you or make this into a part-time job.

With a little study, diligence and determination, anyone can clean up and repair their credit report. Let’s go through the steps together.

1. Know the Main Players and How Credit Information Is Used

Before trying to correct your credit report, take a minute to understand what you are up against.

There are four main participants in the credit world:

You are the first and most important, because you decide where and how to spend your money using credit. Most (but not all) of the information that’s in your credit report is there because of something you did or did not do.

The good news is you have the power to determine what your credit future is going to look like. And as you’ll see, you also have the power to clean up a lot of your ancient credit past.

The credit bureaus are the keepers of your history. They collect data from creditors, vendors and stores.

They record how punctual you’ve been paying your bills, among other things. And they have kept records about your transactions ever since you started using credit.

They also collect information from the local, state and federal government with regards to any liens, bankruptcies or criminal convictions against you.

There are many regional credit bureaus, but there are three large national credit bureaus, and they are the organizations you should focus on: Equifax, TransUnion and Experian.

These are tremendously large firms. They collect data on hundreds of millions of people, and each year they gather billions of data points.

As you’ll see, they often make mistakes. If you don’t catch those errors, you’ll be the one who ends up paying for it.

Your creditors are the next participants to consider. They tell the credit bureaus about their financial experiences with you. The tricky part of this is not all creditors report to all three bureaus and some don’t report at all.

Creditors are only human. They also report false negative information to the bureaus quite often. In fact, a recent study done by the Federal Trade Commission determined that one in five credit reports have material errors.

Again, it’s up to you to call attention to these mistakes and demand they be corrected.

The final player in your credit world are the people and organizations who use the information that the credit bureaus collect (and sell). Those organizations include potential creditors, would-be employers or business partners and insurance companies.

With so much on the line and so many opportunities for errors, it makes sense to do everything you can to make sure your credit report is as clean as possible.

We’re almost ready to start scrubbing your credit file.

But before we do, you’ll find it helpful to understand the laws that protect you against what credit bureaus and creditors do with and to your credit file. T

here are only a few statutes to take a look at, and you don’t have to be a legal genius in order to understand these laws.

The first and most important to consider is the Fair Credit Reporting Act (FCRA). Among other things, this law requires credit bureaus to provide a free credit report to you each year if you request it.

This same law mandates that the credit bureaus and creditors must correct any entry that is not accurate, verifiable and complete (more on that in a bit).

The next law is the Fair Credit Billing Act. This guards you against unfair billing practices.

For example, if you are charged for something you didn’t buy, are charged the wrong amount or never got what you paid for, the merchant must make the correction both to your bill and to your credit report if they reported negative information about you.

The next statute to understand is the Fair Debt Collection Practices Act. This specifies what bill collectors are and are not allowed to do.

In a nutshell, collection agents are not permitted to harass you. In fact, if you write and tell them to leave you alone, they must do so.

Obviously, any blatant inaccuracies (detailed below) need to be corrected. But it goes far beyond that.

As I mentioned above, the information in your credit report must be verifiable and complete too. Let’s look a little closer to really understand what that means.

By law, creditors must be able to prove the negative information they report is true. If they can’t produce evidence, the information must be removed.

At first glance, this may seem like a small matter, but it’s actually one of your strongest weapons in getting the bureaucrats to remove false negatives.

As a matter of fact, this burden of proof becomes more and more difficult to satisfy over time. That’s because as the years pass, companies go out of business, merge with others and/or lose information as they update their data systems.

In other words, time is on your side.

You might consider disputing a negative item if you think the vendor won’t be able to prove their claim.

You might have a negative item on your credit report that while technically true, doesn’t tell the entire story. If that is the case, the item must be wiped clean.

What is “incomplete”? The best way to explain is by way of example. Let’s say you delayed paying a bill because the vendor sent you the wrong product.

Did you pay on time? No. But simply listing this as a late payment isn’t fair or complete.

You didn’t pay on time because you didn’t get what was promised. Because this data is incomplete, you can direct the credit bureaus to remove the negative item and they have to comply.

Now that you know how the game works and you are familiar with your rights, it’s time to order your credit reports and go through them with a fine-toothed comb.

I suggest you get all three reports at the same time, because not all credit bureaus have the same information. If you only order one but a mistake only shows up on one of the others, you won’t know about it, yet it will pull your score down.

As I said earlier, there is a 20% chance that your credit report contains material errors, so look through your reports carefully. Here’s what to look for:

  • Look at your personal data. Is it right? Is your name spelled correctly? Is your birth date listed accurately? The report lists your residences. Did you really live in those places?
  • You are held responsible for all the credit accounts listed on your report. Do they really all belong to you? Do you see a mortgage or other loan listed that isn’t yours? Credit bureaus are notorious for misapplying credit accounts. Don’t pay the price for their carelessness.
  • Go through the activity on each account. Do late payments or charge offs show up that never really happened?
  • Review each account’s details and look for inconsistencies on credit limits and types of credit accounts.
  • Are all the accounts they list still open? Sometimes the bureau falsely reports closed accounts as being open.
  • Look for outdated information. If you have negative items on your credit report the law says they must be removed after 7 years. Does your report present data that should have come off your report long ago? Keep in mind that bankruptcies stay in your file for 10 years. If you have any unpaid judgments, they stick to your report for either 7 years or until the statute of limitations expires — whichever is greater.
  • As mentioned above, look for any information that is either incomplete or unverifiable.

Of course there are other justifications for disputing credit report history but this gives you a sense of what to look for. Inspect all three of your reports and mark those items you want to dispute.

Now it’s time to build your paper trail. Get any documentation you can that proves your argument. It might be difficult to corroborate all of your claims but just do the best you can and don’t be deterred by lack of evidence.

Remember that the bureaus and creditors are responsible to prove their case against you — not the other way around.

Contest the misinformation with both the creditor and the credit bureaus. Much of the information you read about the dispute process suggests that you first contact the bureau and reach out to the creditor if that fails.

I disagree with that advice. You are better off if you contact both parties at the same time. There is no downside to doing so, and it saves you lots of time and frustration as you don’t have to put up with the credit bureau run around.

Send them a registered return letter with your request that they fix the items you dispute. Include your reasons for your demand and a copy of your evidence (including a snapshot of the credit report that contains the mistake). End the letter by telling them what you want them to do — remove the item from your credit file.

Some creditors allow you to dispute claims by telephone or online, but I suggest you stick with snail mail. That’s because if you contact the other party via internet or phone you might surrender some of your legal rights.

Some of the rights you maintain by writing a letter include the right to see a copy of the other party’s evidence backing up their claim against you and the right to be treated fairly by collection agencies. If you don’t write, you could give up those protections and more.

And while we are on the subject of letter writing, please use your own words rather than using a template you download from the internet. The bureaus get lots of requests all day long. You have a higher chance of being taken seriously if you compose your own letter.

You can use templates to get an idea of what your letter should look like, but don’t copy them word-for-word.

As long as the credit bureaus think your case has merit, they will investigate your claim within 30 days. If they think your claim has no merit, they won’t even look into it. This is another reason why it’s so important to be thorough when you make your claim.

If the bureau takes you seriously, they’ll forward your grievance to the creditor. If the creditor admits they made a mistake, they have to tell the bureau and the bureau must repair the information on your credit report.

If the creditor simply tells the bureau that their negative data is accurate, the bureau will close the case on the creditor’s word alone. Then they inform you of the results of their investigation.

This is why it’s so important to file your complaint with both the bureau and creditor at the same time. If you do, you can force the creditor to show proof. The credit bureau doesn’t push the creditor as far as you can.

Once you write a letter to the creditor and ask for proof of their claim against you, they have to provide it. The creditor will also copy the bureau on the results of their investigation. Then, if the bureau changes your history as a result of the inquiry, they must send you a copy of the results and a new copy of your fixed credit report.

In addition to sharing the good news with you, the bureaus have to send a letter to anyone who inspected your credit file over the last six months. The letter must explain that the change was made. And if you ask, the bureau has to send a similar letter to any potential employer who saw your report over the last two years.

Even if the negative item stays on your report, you win. That’s because the bureau has to include a note on your report showing that you dispute the item. And that notation must be on the report when people review your credit history in the future.

They also have to inform anyone who saw your credit information in the recent past and tell them that you dispute the item. You may have to pay to have them do this but it could be well worth it.

Of course, you don’t have to accept defeat, either. You can either sue the creditor or credit bureau or you can hire a reputable firm that specializes in fixing consumer credit reports and they will take the fight up a notch.

Credit bureaus and creditors process billions of transactions each month. They are bound to make mistakes. Unfortunately, when they do, you pay the price — unless you force them to do the right thing.

Keep in mind that the law is in your favor. Demand that any information on your credit report be accurate, verifiable and complete. If the information doesn’t pass any of these tests, you have the legal right to demand that the negative information be removed.

Familiarize yourself with the rules that govern consumer credit information and follow the process. Be calm and patient but persistent. It’s well worth it.

Your Turn: Have you ever disputed items on your credit report? Are you going to take these steps to make sure yours is accurate?

This post originally appeared at SeedTime. Stop by to get signed up for a free 3-week email course to help you get control of your money, save more, and payoff debt!