Veteran Credit Repair | How It Works

veteran credit repair

Credit Repair, Credit Scores, and Loans

Whether you’re a civilian or military member, most lenders require a minimum credit score of 620 to 640 to receive approval on a loan. In this article, you’ll learn more about how credit works for veterans, potential loan options, and how to repair a credit score to meet your financial goals.

First, Research All of Your Options.

Before we dive into credit scores and how it works. Let’s talk about the potential uses of a credit score, acquiring a loan. Understanding all of your options when seeking a loan is key to getting the best deal possible. Even veterans with fantastic credit and a 20% down payment may benefit from comparison shopping between conventional and VA loans.

Federal Benefits — Personal or Business?

Interested in buying a home? Veterans are eligible for VA home loans, which often require no down payment, no mortgage insurance, and have flexible underwriting requirements. An excellent resource to look into is the Veterans Benefits Administration website.

Ready to start a business? There are also grants, loans, and business development programs backed by the U.S. Small Business Administration. Prospective entrepreneurs look into financing by searching the Small Business Administration’s Office of Veterans Business Development website.

Assess Your Finances.

Consider all factors beyond your status as a veteran when making money decisions. The right choice for you will align with your current financial situation and goals. What are your financial plans for the next 6 months to a year? What financial habits are you looking to strengthen or stop? Make sure you’re financial goals and habits are leading you in the right direction.

Understanding Your Credit Score.

Part of assessing your financial plan includes reviewing your current credit score. The Fair, Isaacs Corporation, also known as FICO, created an algorithm for all three major credit agencies to use when calculating credit scores. This method creates your credit score by reviewing five different categories, with each category weighted.  See below for details:

veteran credit repair credit score

Credit Score Categories — Let’s Talk About Payment History.

Your payment history affects your credit score the most out of all other areas. The scoring algorithm determines if the borrower’s payments were on time and if they weren’t, how late they were. Late payments are categorized by more than 30 days late, more than 60 and more than 90. For each category, the algorithm drops the score more.

Where Does Available Credit Come In?

Your available credit is determined based on the number of outstanding credit accounts you have compared to the credit limit assigned to each account. The ideal amount of credit to use is around 30 percent of any credit limit. Scores typically improve when having a balance around this percentage. However, if an account has a zero balance, it will have little impact on your score.

Keep in mind, having a balance of more than 30 percent will result in your credit score falling.

Quick Credit Repair Options

The quickest way to repair credit scores is to focus on available credit and payment history. Make sure credit payments are consistently on time or paid no later than 30 days past due. Paying outstanding credit balances down to 30 percent of the available credit will help, too.

 


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program. Help is just a free phone call away or you can fill out an appointment request. 

Contact Go Clean Credit to schedule a free consultation today.

Equifax Data Breach Class-Action Lawsuits | Congress Repeals Rule

 Equifax data breach class action lawsuits

Class-Action Lawsuits Against Equifax

This last week, you may have heard the Senate voted to block consumers from suing Equifax as a class. There were approximately 143 million people whose personal information exposed during the data breach. And have already been more than two dozen lawsuits in federal court against Equifax.

In response to the data breach, the Consumer Financial Protection Bureau (CFPB) presented a rule barring the use of forced arbitration and restored the ability of people to file group lawsuits. The rule prevented financial companies that bind users by arbitration agreements from prohibiting those users from suing as a class.

According to news sources, Vice President Mike Pence had the tie-breaking vote to repeal the rule that could have made it easier for Americans to sue banks and credit card companies overall. Senators passed the measure to repeal by a vote of 51-50.

How To Protect Yourself From A Data Breach

While class-action lawsuits may be out of the picture, there are still a few ways you can protect yourself from suspected identity theft and future identity theft.

Credit Monitoring

Equifax data breach class action lawsuits

Consider signing up for credit monitoring if you do not already have it! You’ll receive alerts if there are any changes to your credit. We usually recommend this site, which monitors all three credit bureaus.

Once you begin receiving credit updates, you’ll be able to monitor for any suspicious activity being reported.  When signing up for credit monitoring check for trial periods and cancellation requirements to avoid unexpected fees and limitations.

Place a Security Freeze on your Credit Report

Equifax data breach class action lawsuits

A security freeze on your credit report helps prevent accounts from being opened in your name. All new accounts requested will be declined, and you will only be able to work with your current creditors.

You can place a “freeze” on your credit file by contacting each credit reporting company.

Fraud Alerts

Equifax data breach class action lawsuits

When you suspect your credit may have been compromised a fraud alert lets creditors and lenders know, this lasts up to 90 days. It’s something to consider when looking to protect your identity. It can also help prevent future theft.

To add a fraud alert, you’ll want to contact each bureau below by phone or online to each of your credit files.

Once you’ve placed an alert with one of the credit reporting agencies, they are required to tell the other two. They’ll ask that you provide your phone number in the event a credit request comes through during the 90-day timeframe. Setting up an initial fraud alert is a free way to provide you with added protection.

Extended fraud alerts are another form of protection to consider and lasts up to seven years. It requires creditors to contact you through the phone number, or another contact method you designate, to verify you’re the person making a credit request.

Contact us immediately if there is any new activity you don’t recognize or with any questions on how to protect yourself further.

 

News Sources: Tech Crunch | Yahoo! Finance | Reuters | CNN | GPO


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program. Help is just a free phone call away or you can fill out an appointment request. 

Contact Go Clean Credit to schedule a free consultation today.

Top Credit Repair Agencies in Gilbert, Arizona

top credit repair agencies gilbert arizona

Here’s Our List Of Top Credit Repair Agencies In Gilbert, Arizona

top-credit-repair-agencies

Go Clean Credit

The first credit repair agency on our list is Go Clean Credit.  Founded in 2003 in Arizona, specializing in credit repair and restoration. Go Clean Credit removes inaccurate and unverifiable negative items from credit reports – foreclosures, short sales, bankruptcies, collections, charge-offs, judgments, tax liens, late payments, repossessions, fraud…

Special programs are available to correct or expunge inaccurate mortgage or bankruptcy reporting. Fighting the unlawful behavior by creditors, collection agencies, the bureaus and consumer law attorneys and support litigation. While staying in compliance with the laws that govern the industry. Go Clean Credit uses state laws, the FCRA, FDCPA, FCBA, and disputes directly with creditors, courts, and the bureaus.

Go Clean Credit has a 100% money-back guarantee. Call today for FREE consultation.

Elementary Credit Repair

Second on our list is Elementary Credit Repair. Looking to help consumers by ensuring every they have access to a fair and accurate credit report. Helping clients with their in-depth knowledge and understanding of the laws/acts surrounding debt collection, credit reporting, and credit repair.

Simple Solutions & Consulting

Third on our list is Simple Solutions. Their mission is to help consumers who are experiencing credit and debt problems obtain great credit again, can save money and have a brighter financial future. Simple Solutions gives a personalized credit and debt consulting service. Taking care of clients in all 50 states.

A Team Credit Consulting

A Team Credit Consulting is a financial wellness company that takes a holistic approach to your financial situation.  Certified through Simple Solutions Credit Consultant Training. Following all state and federal laws, they specialize in creating roadmaps that lead to healthy credit and higher credit scores.

We hope this article helped you select the right credit repair agency in Gilbert, Arizona for you. Are you curious about other credit repair agencies not mentioned in this post? Do you work with a credit repair agency we didn’t list? Share your experience with us, we’d love to hear from you!

How Does Bad Credit Affect Student Loans?

How Does Bad Credit Affect Student Loans?

You studied hard, took the SATs, and received the acceptance letter from the university you want to attend! Applying for student loans to fund your education is the next important step. You might be wondering how your credit score affects the student loan process. Especially if you haven’t established credit yet and are working with a lower score. In this article, we’ll teach you about a few ways you can still move forward with both your credit and student loan process.

The Good News

Even if you happen to have a considerably bad credit score, it won’t necessarily prevent you from getting a student loan. Most undergraduate loan money comes from the federal government. The government does not use credit scores to approve applicants. Even if your FICO credit score has fallen below the acceptable range, you still qualify for federal student loans.

FAFSA

how does bad credit affect student loans

Since federal aid and a bad credit score are not entirely linked, applying for FAFSA (Free Application for Federal Student Aid) is a great option. To receive federal student loans with bad credit, you’ll need to fill out an official FAFSA application. The federal government will get an idea of your financial situation and your family’s. They will calculate how great your need for assistance is to cover the costs of college education. Once your application is processed, you’ll know the type of federal aid for which you qualify. This includes student loans, whether your credit is bad or good.

Parents’ Credit Score

If your parents happen to have a poor credit score and they’re responsible for student loan oversight, things could get tricky. Parents can apply for loans to pay for your college attendance through the Federal PLUS (Parent Loans for Undergraduate Students) program. These PLUS loans are not explicitly based on credit scores, though an adverse credit history of your parent can keep them from being approved for this type of loan.

Did this article help you prepare for the next phase in applying for student loans? Still, have questions? We’d love to hear from you. To learn more on why your credit score may not be going up and other myths about credit score calculation. Check out these articles!

No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Top Credit Repair Agencies in Mesa, Arizona

Can your credit really be restored? How long does it take? These are questions you may have when facing a credit crisis. Good credit is all about knowing how the system works and having the tools to get the FICO score you need. That’s why we’ve put together a list of top credit repair agencies in the Mesa, Arizona Area for you to choose from.

 

Here’s Our List Of Top Credit Repair Agencies In Mesa, Arizona

top-credit-repair-agencies

Go Clean Credit

The first credit repair agency on our list is Go Clean Credit.  Founded in 2003 in Arizona, specializing in credit repair and restoration. Go Clean Credit removes inaccurate and unverifiable negative items from credit reports. This includes foreclosures, short sales, bankruptcies, collections, charge-offs, judgments, tax liens, late payments, repossessions, fraud.

Special programs are available to correct or expunge inaccurate mortgage or bankruptcy reporting. Fighting the unlawful behavior by creditors, collection agencies, the bureaus and consumer law attorneys and support litigation. While staying in compliance with the laws that govern the industry. Go Clean Credit uses state laws, the FCRA, FDCPA, FCBA, and disputes directly with creditors, courts, and the bureaus.

Go Clean Credit has a 100% money-back guarantee. Call today for an FREE consultation.

My Credit Guy Credit Restoration

Second on our list is My Credit Guy, specializing in preparing clients for mortgage loan approval. Offering services to consumers directly to remove inaccurate/negative items on the credit report. Helping to satisfy and settle outstanding/verified debts, and establish new/positive tradelines. Free consultations with My Credit Guy are available.

Arizona Credit Medix

Third on our list of top local credit repair agencies is Arizona Credit Medix. Established in 2011. AZ Credit Medix, LLC is a Credit Restoration, Debt Negotiation, and Business Credit company. AZ Credit Medix, LLC understands the needs of our clients/industry and have developed systems to provide the fastest results possible.

Arizona Credit Medix provides sliding scale pricing and flexible payment terms. Specialities include credit restoration, student loan consolidation, credit coaching, debt counseling, debt verification, secured credit cards, small business benefits.

 

We hope this article helped you select the right credit repair agency in Mesa, Arizona for you. Are you curious about other credit repair agencies not mentioned in this post? Do you work with a credit repair agency we didn’t list? Share your experience with us, we’d love to hear from you!

How to Raise a 610 Credit Score: 4 Quick Tips

If you’re looking to buy a new car, open a new line of credit, or purchase a new home checking your credit is an important first step. On the FICO scale from 300-850, a 610 credit score is considered fair. This score may not give you the credit opportunity you need for your next purchase. Now that you know what you might be facing before applying for any new loans, you need to know how to raise that 610 credit score to avoid a higher interest rate.

Here’s How to Raise a 610 Credit Score:

 

1. Get a secured credit card for those with 610 credit scores.

Go Clean Credit evaluates credit card offerings for people with a 610 credit score. We currently recommend these Secured Cards to assist those with fair credit scores.

By getting a Secured Credit Card, we have seen increases in credit scores by 35 points or more because you’re looking to rebuild your credit responsibly. In order to get a Secured Credit Card, you will need to put down a deposit. This limits the risk a Secured Card issuer is taking on and continues to build your credit at the same time.

2. Pay down your outstanding revolving debt.

Your FICO score is an important topic we’ve discussed before. One of the major factors we discussed that ties into your credit score is your revolving balance. Paying down this debt to 30% of your total credit available will help to raise your credit score overall.

3. Ask for an increase in your credit limits.

While paying down your credit cards can help you reach the 30% revolving balance number, another way is to ask your credit card issuers for more credit. If you have a history of regularly paying your balance or a low credit limit against your income, you might be eligible for an increase. Call the creditor and ask for an increase in your credit card limits.

Your latest promotion and raise likely wasn’t communicated back to your credit card. Telling your creditor could open up limit increases immediately. This will instantly reduce your revolving debt usage rate.

4. If you have credit cards you’re not using regularly, place small charges on them.

Remember your credit card from seven years ago and never got around to closing? It could be the difference in rapidly increasing your credit score. Having credit cards that you’re not using hurts your credit score. Creditors want to see you using your card and paying it off regularly.

If you have one of these cards, you should put one of your subscription payments on it and remember to pay it off each month. For example, your Spotify or Netflix or gym membership could help you raise your credit by being charged to these low usage cards.

Raising a credit score of 610 isn’t an impossible task. These simple and efficient steps could increase your score by 75 or more points in 30 days and qualify you for much better interest rates.

No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

 

Here’s What Happens Once Your Debt is Sent to Collections in Arizona

debt collections arizonaYour medical bills piled up quickly and you did the best you could to pay them all. Or maybe the utility bill or cell phone bill just wasn’t paid because you were moving from one home to the next. Possibly a couple of credit card minimum payments were simply beyond your financial means. Here’s what happens when your debt is sent to collections in Arizona.

Expect a lot of phone calls

The collections company is going to do everything that they can to collect on the debt. Here in Arizona, collections agencies are prohibited by law from engaging in deceptive practices. Additionally, they can’t call you at all hours. They also have to honor your request not to be contacted during your traditional work hours. They will continue to call you, but at least it’ll be when you’re not on the job or in the middle of the night.

Most people will try to avoid these calls entirely. That makes perfect sense since you might feel some embarrassment regarding the debt and the fact you’re unable to repay it immediately. Answering these calls may produce an opportunity to settle these debts for less than the full amount though so speaking with the debt collection company might be worth pursuing.

Past due bills will affect your credit score

Your credit score is a quick way for creditors to see how creditworthy you are. If you have a balance that enters collections, this will reduce your credit score. Certain kinds of debt will be discharged after a few years. If you are facing student debt, that will follow you until paid.

The reduction of your credit score will affect your interest rate should you try to open a new line of credit. This includes a new car loan or a new mortgage. Again, if at all possible, resolve this collections issue before you make a large purchase that includes financing. Your future wallet will thank you.

Next steps after a debt is sent to collections

Eventually, you will need to resolve the debt either through negotiation and repayment. Once settled, you can begin the process of rebuilding your credit. This can be done through the use of Secured Credit Cards. Also, reducing your revolving balance of your existing credit cards to increase your credit score as well.

Your credit score is one of the most important numbers in your financial life. Maximizing your score will get your better interest rates and could make even more credit available to you if you need it.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not one size fits all. We tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

How to Remove a Derogatory Account From Your Credit Report in Arizona

derogatory creditIt doesn’t matter if it was a completely missed payment or two, a late payment or some life event that compelled you not to pay a debt. A derogatory account is now on your credit report. Here are some steps that will help remove a derogatory account from your credit report in Arizona.

The first step is getting a current version of your credit report.

Remember, you get one from each of the three credit reporting agencies once a year. Each credit report includes vital information that might be helpful in getting the offending account removed. The information there includes the amount that the creditor is claiming that you owe, the origination date of the delinquency and the date that the account will fall off from your credit report.

Once you have the information, check the information in the credit report relating to a derogatory account. If it is inaccurate, you can and should file a dispute with the credit bureau to remove it from your report immediately. You can submit a dispute online or by physical mail. Fortunately, the three credit bureaus by law have to handle disputes in a timely fashion. Should the derogatory account be removed by the credit bureau, it could rapidly increase your credit score.

If the debt is accurate, it’s time to reach out to the creditor.

Make an offer to either pay off the debt in full or a percentage of it in exchange for them removing the account from your credit report. It is crucial that you get this agreement in writing before you submit a payment.

If it’s a missed payment to a creditor, you could call them up and ask them to do you a favor and remove it from their reporting to the credit bureaus. Getting removals this way is not common, but if you were facing extenuating circumstances, a call center representative or supervisor might be willing to help you. Explain the situation so that they can understand why you missed the payment. If you get a “no” response from the first customer service representative, don’t hesitate to ask to speak to a supervisor. Remember you are asking them to do you a favor. Be understanding if there’s nothing that they can do to remove it.

Another alternative is to wait out the seven-year credit reporting window. After that point, this derogatory account will fall off naturally. Waiting this out isn’t the best option if the debt is recent, but could be an option for a single mistake that happened five or more years ago.

Finally, whether you decide to pay off in full, offer a settlement or wait out a derogatory account, make sure that you get documentation of the resolution of the debt.

We’ve seen these derogatory accounts creep back up at a later date. These are especially troublesome when you’re trying to open up new credit lines or get a mortgage. It’s a good idea to keep the complete documentation that shows them as resolved in case a dispute arises. While some work is necessary, it is entirely possible to remove a derogatory account from your credit report in Arizona.

No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Can You Get a Home Improvement Loan with Bad Credit in Arizona?

home improvement

Your head is spinning because there’s another issue with your new “Dream Home” that has come at you unexpectedly. You overcame the first-time home buyers with bad credit hurdle but now that you’ve moved in, it’s clear that the house is in need of work to make it a place you’re ready to enjoy living in.

Can you get a home improvement loan with bad credit in Arizona?

The answer is yes, but it may take a bit of creative thinking and work on your part to get the money you need to make the repairs happen.

First up, check to see if the U.S. Department of Housing and Urban Development has a program that you qualify for that will help finance the costs of the improvement. They have plenty of tips on how to choose through all the options whether you’re looking to do-it-yourself or hire a professional to do the desired upgrades.

Second, consider speaking with your mortgage bank to see if a home equity loan is possible. They have a vested interest as you do; improve the value of the home. Making improvements to your house may not just improve your standard of living. It could improve the house’s total value should you need to sell in the near term future.

Next, look at options in micro-lending services such as Prosper. While the interest rate of the loan may be more than government or home equity loan, your ability to appeal person to person could be the difference in getting the cash you need.

Finally, consider asking a family member or close friend to co-sign a loan with a traditional bank. By asking them to do this, you and the co-signer are both taking on the debt and the risk of repaying the loan. Their signature could give you a much better interest rate, too. It could make the difference between getting a home improvement loan with bad credit or not.

The best way to increase your chances of getting a loan through traditional banks is to improve your credit score.

Improving your score will directly affect your interest rates and remove hurdles in order to get the financing you need.

No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

What you should do about the Equifax data breach

what you should do about the equifax data breachAs you may be aware, there has been a data breach at Equifax. There were 143 million people whose personal information was exposed.

Here are the facts, according to Equifax. The breach lasted from mid-May through July. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

What should you do about the Equifax data breach?

The problem is the information is evolving every day. There have been more than two dozen lawsuits in federal court against Equifax. One website has gone up that allows you to sue Equifax with one click. The site Equifax launched to reveal whether or not you have been impacted has been seriously questioned. And, Equifax is pivoting it’s message as public response pours in.

As this situation evolves, there are some simple things you should do in response to the Equifax data breach.

Here is what you should do about the Equifax data breach:

1. Credit Monitoring

Whether your information has been exposed or not, it is ALWAYS a good idea to be enrolled in credit monitoring.

If you do not already have it, you should sign up. When you have credit monitoring, you will receive alerts when there are any changes with your credit, which will help avoid any surprises when it comes time to get a loan or credit. We usually recommend this site, which monitors all three bureaus.

Using credit monitoring services to monitor your credit reports is one of the best automated ways to detect false information that negatively impact your credit scores. By simply signing up for a credit monitoring service, you will receive notifications anytime your scores change. If there’s a drastic change, then you know that you may have suspicious activity reporting.

Fortunately, there are a variety of free and paid credit monitoring services out there to monitor your credit. In fact, today many credit card companies and credit bureaus are offering their own credit monitoring services to consumers.

If you’re offered or considering an identity monitoring or credit monitoring service, make sure you check for trial periods, fees, cancellation requirements, and other restrictions so that you don’t face unexpected fees, charges, or other limitations.

Here are some of the best credit monitoring services to monitor your credit.

Here is what you may think about doing in response to the Equifax data breach.

1. Place a Security Freeze on your credit report

A security freeze on your credit report generally prevents new credit and accounts from being opened in your name.

All new accounts that are requested will be declined and you will only be able to work with your current creditors. You will need to call each reporting agency and place the freeze yourself. It will be quite a process to thaw your credit, but unless you need credit to buy a home or car in the near future, it is an option that offers more protection.

You can place a “freeze” on your credit file by contacting each credit reporting company.

2. Fraud Alerts

A fraud alert lets creditors and lenders know your credit report may have been compromised. The alert lasts 90 days, and is a good step to take as it will protect your identity and will protect you from future theft – even if you only suspect identity theft.

You can add a fraud alert to each of your credit files by going online or calling each bureau.

Once you place a fraud alert with one of the reporting agencies, they are required to tell the other two agencies. You’ll provide your phone number to the bureaus so you can be contacted in case anyone asks for credit in your name within your fraud alert timeframe. If someone does ask for credit, then the creditor will contact you to verify your identity and find out if you placed the request.

Setting up an initial fraud alert is free and means that you’re protected from identity thieves opening more accounts in your name. This gives you time to clear up the bad accounts.

How Fraud Alerts Help With Credit Protection.

There are also extended fraud alerts. An extended alert is for identity theft victims and is good for seven years. It requires that creditors contact you through the phone number or other contact method you designate to verify you’re the person making the credit request.

Contact us immediately if there is any new activity you don’t recognize. Please contact us with any questions.

Thank you!