Preventive Maintenance for Credit Repair = Credit Maintenance for Credit Health!
I have always been proactive when it comes to maintaining my health. Once while visiting a Chiropractor (first and last visit to him) he began lecturing me on preventive care/maintenance. Let me preempt this statement by saying that I may or may not be right with regards to my terminology usage, however, he became very argumentative with me and irritated that my interpretation of preventative medicine was in his opinion incorrect.
Now, I am a descendant of the Real McCoy’s and having said that can be very stubborn and hard headed to say the least. Point being, that my interpretation of preventive maintenance is that you do your regular recommended check-ups, exams, cleanings and tests in order to prevent dealing with a major issue later down the road. Do you agree with my interpretation? Doesn’t matter to me but you are probably wondering what all this has to do with credit. Right?
It has everything to do with credit because when we ignore certain problems or delay examining our current standings, we, in fact, are allowing distress, disease and possibly decay to take place.
When we do our annual examination of our credit and by now you should know where to go check in but if not you go to www.AnnualCreditReport.com and examine your credit activity for accuracy to ensure that your credit stands exactly how you thought it would.
If you need a diagnosis because you are not a credit specialist, that’s okay…you would diagnose yourself if you weren’t a Doctor, right?!?
It doesn’t matter where you go for credit repair (well it kinda does), the main thing is that you are getting accurate information. You want to make sure you go to someone you trust and who knows the laws and your rights. If you get an answer or you try to self-examine and do not feel good about the answer (do a gut check) then just like a medical issue…get a second opinion.
Again, it is better to err on the side of caution and stay a step ahead of any potential negative issues with your credit and by installing PM (Preventive Maintenance) annually, quarterly or even monthly. I prefer to review monthly as it only takes a second and when you have something negative on your credit report, it can do a lot of damage quickly and it takes months and years to build it back up.
- Pull your credit report and look at each item line by line.
- Seek professional help if you have an item on your report that is not yours or is incorrect. (My consultations are free)
- Take action against any errors, obsolete items or discrepancies.
- Setup a monthly monitoring and reminder system to ensure your PM takes place.