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The Fair Credit Reporting Act which was passed by Congress says that an item can remain on your credit report for a maximum of seven years. It also says that you can dispute any item you feel is inaccurate and if that item is not verified by the lender then it must be removed from your report.

The first step is to get your report from all three major bureaus. Surprisingly Cheap Stephen Gostkowski Jersey , your record can vary from bureau to bureau. Next, identify the negative items and then dispute them.

How to Dispute Negative Items

You can do this yourself by writing a dispute letter to each bureau. In this letter you must include; your name Cheap Dont'a Hightower Jersey , dates, reason for dispute Cheap James White Jersey , and any pertinent information you have regarding the item. Typically you will get a response that says you do not have all the necessary information.

Unfortunately this is a common tactic used by the major bureaus. In fact they have faced a multitude of fines over the years for not complying with the Fair Credit Reporting Act; one of the most notable being in 2000 all the credit bureaus paid $2.5 million FTC fine for blocking millions of phone calls from consumers.

Why? The credit bureaus contrary to popular belief are not government agencies. Instead they are private businesses with some of the biggest profits in our economy. According to TransUnion in 2011 they had reported a revenue of $245.9 million for the first quarter. That equals an estimated annual revenue of $983.6 million, for just one year for just one credit bureau!

They make their profits by selling your information to businesses. There is no profit motive for the bureaus to make sure the information they have about you is accurate or not. Thus Cheap Tom Brady Jersey , it costs them money to investigate a disputed item. That is why you will typically get a letter responding with a request for more information, be it needed or not.

The bureaus have found that this is an effective method at discouraging you and frustrating you into giving up on clearing your credit report. This is also when and why many people turn to a credit repair service to do it for them.

If you chose to do it yourself or hire a service the bottom line is you can remove negative items. You can clear your credit history and build a new positive record. The Fair Credit Reporting Act says that an item can remain for a maximum for seven years; there is nothing about a minimum amount of time an item must remain!

Take action today and stop being embarrassed by past financial mistakes. You are not alone Cheap Rob Gronkowski Jersey , and will not be alone when removing these negative items.

For a free credit dispute letter to Clear My Credit History visit us also to learn how to Clear Credit.

What the customers want from online boutique stores

Posted by JulyRed on February 13th, 2014

The online boutique stores have never had it better with 62% Americans with internet connection now shopping online at least once a month. Only 1% of US consumers with internet access mentioned that they have never shopped online and will never shop over the internet. This recent report was published by Walker Sands and was generated from data gathered by surveying more than 1 Julian Edelman Jersey ,000 consumers. While online boutique clothing stores are not at the top of the pile when it comes to most items shopped they are very much at the top.

Online shopping for clothes, overall Cheap Jake Bailey Jersey , occupies second place in terms of sales figures. In the US however, it lies in third place behind consumer electronics and books. While 69% consumers mentioned that they use the internet for shopping for consumer electronics and 67% mentioned that they shop for books online Cheap Jarrett Stidham Jersey , the online boutique stores were mentioned by 63% of consumers. When you consider how close the three are the business prospect does look well for the online boutique clothing stores.

Now what makes people shop from the internet? Money is a driver but it’s not the most important driver. This does come as a bit of surprise because all this while everyone thought that people shopped online because they could save money. The number 1 reason why people shop online is free shipping. 80% respondents mentioned this as their top choice for online shopping. At 66% in number 2 is 1-day shipping. 41% even mentioned about same day shipping. Hence, for the online boutique stores the story is there to see – they need to ship fast and ship free and most of them already do so. Those that are not have to buckle up.

64% of consumers prefer free exchanges and return and 48% mentioned that they would want hassle free online returns. 37% also talked about easier in-store returns. The evidence is clear that the consumers want more from online shopping. If someone looks at the practices of the top online boutique clothing stores one would find that they indeed make it very easy for consumers to return or exchange their products. Of course Cheap Hjalte Froholdt Jersey , these stores have their terms and conditions in place but all of them ensure that they terms and conditions are clearly mentioned in their website.

The internet is the most open marketplace of all. If someone is happy they can easily spread the word around and the opposite can also happen. There are innumerable forums where consumers can voice their concerns as well as show their appreciation. Sensible consumers always visit these forums so that they are able to choose the best of the online boutique clothing stores. And the most sensible online boutique stores also visit these forums to keep track of what their customers are saying about them.

For online boutique clothing stores the time is absolutely right to make the most from online shopping. However, one has to know and follow what the best online boutique stores are doing to keep their customers happy.

Online boutique clothing stores need to know what their customers want. 2014 shows a clear trend of customer demands from online boutique stores.

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