Be careful not to presume that credit agencies such as Equifax and Experian have correct information on your credit history published. These are large corporations that manage astounding amounts of information. The slightest errors in the information that they have can wreak absolute havoc on your credit rating and do damage that is lasting and devastating. Pull credit reports from all three major agencies annually. It is free.
Keep good records.
As tough as it may sound, keeping separate files for each and every credit account you have can save a great deal of time, money, and hardship later on. I recommend maintaining these files and records for at least 7 years. If there is ever a dispute as to what information is correct when it comes to your credit report, having documentation is the key to fixing any damage.
Pay attention to notices from credit card companies.
This may sound obvious, but it is very important to read over notices from credit card companies, as well as collection letters and other calls that come in regarding your accounts. The number of violations of federal laws regarding debt collection is astounding and seems perpetually on the rise.
If you are ever sued, consult an attorney immediately.
Many of the debt buyers' business model begins when they file lawsuits against you. Their goal may be to use the legal system to bully you or intimidate you into paying amounts that you do not legally owe to them or anyone else. Any delay in consulting an attorney may cost you a tremendous amount of time and money in the long run. Also, if you fail to timely answer or exercise your rights and defenses in these situations, you may very well lose them. Call a lawyer immediately.
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