Sinnloses Forum » Your credit score is important for

It wasn’t so long ago that kids who got the “new” Nintendo 8-bit gaming console or the Sega system for Christmas were the envy of every less fortunate and burned out Atari owning neighborhood playmate. As time elapsed Cheap Eric Thames Jersey , Super Nintendo, Sega Genesis, and NES’s Turbo Graphix 16 became all the rave. Anyone now in their twenties can recall being impressed by the awesome advancements in playability and graphic display of the Nintendo 64 and Sega’s Dreamcast system, and even more recently (only five or so years ago) the advent of Microsoft’s Xbox, Nintendo’s Game Cube, and the Play Station by Sony. The Video Gaming industry has made great strides in the past twenty years: from slow-moving, barely recognizable forms on screen in original Atari games such as Pac-Man, Calga, and Tron, to the extremely vivid and life-like graphics of Tomb Raider, Splinter Cell, and Tekken; available for the Xbox and Play Station. Now, just in time for Christmas 2005, Microsoft has made the next move in the continuing race for Video Gaming Supremacy with the introduction of the Xbox 360. The result is truly phenomenal.


The Xbox 360, as with all video game consoles, is basically just a computer with hardware and software dedicated to the function of running video games. The original Xbox was pretty much just a Microsoft PC with a modified Pentium III processor, some powerful graphics and audio capabilities, and a modified version of the Windows 2000 operating system, all packaged in that distinctive black box.


This year Microsoft has released two versions of the Xbox 360: the Xbox 360 and Xbox 360 Core System. The Xbox 360Core System is “plug and play”, that is, that in addition to the console, it includes an integrated controller and an AV cable. The Xbox 360 (not the “Core system”) comes with a wireless controller, an HD AV cable, an Ethernet connectivity cable, a headset, a media remote, and a removable 20-GB hard drive.

The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you.

But very often your credit report includes inaccurate, wrong or incomplete information (credit records).

In this situation you have to prepare and send letters to each of the credit bureaus. Also learn your credit rights by familiarizing yourself with the Fair Credit Reporting Act (FCRA).

The FCRA gives you the right to dispute inaccuracies or omissions, and it requires credit bureaus to investigate your complaint (generally within 30 days), send you a prompt response and correct any errors. The law also requires the source of inaccurate information (such as a bank) to correct the record at the credit bureaus to which it initially provided the erroneous information.

Consumers working on their credit reports say many times their letters are ignored by the credit bureaus. Consumer's say even with proof a credit record is not theirs; its removal from their credit report can take three or four challenge letters, because the credit bureaus may have only verified it in their computers and not on the credit report.

Send your dispute letter by CERTIFIED RETURN RECEIPT MAIL. This should not be done with the first attempt.

Keep a record of when you sent the dispute letters and what date you should expect a response.

If you have received no answer to your dispute after 30 to 37 days, send a certified return receipt letter requesting an updated credit report demanding the disputed credit record be deleted.

If the bureaus do not reply within the 30 days, it must be that the information was either inaccurate, or it could not be verified. In either case, according to the Fair Credit Reporting Act, the credit record must be immediately deleted from credit report.

Some consumers have eliminated negative marks on credit reports simply by going through this process of disputing credit records several times. Since some creditors will not take the time to respond, you may be able to win by default.

In addition, some consumers working on their credit report have seen another negative credit record or two disappeared. Usually some progress is made each time you challenge. Remember, the credit bureau would like you to quit bothering them because if you aren't disputing the credit report, they can legally continue selling it as profitable information.

To obtain the excellent credit report service, correct your credit, get FREE online Credit Report, make your Credit Score higher or avoid becoming a Victim of Identity Theft visit Legal Helper website ( ).

Your credit score is important for obtaining credit. Your credit score is important to know, whether you need a new credit card, an auto loan, or a mortgage. Lenders use your credit scores to decide whether you are a good credit risk. If you have a high credit score, you are more likely to obtain the best rates.

About The Author

Jeffrey Broobin is a free-lance writer on family and finance issues; his main goal is to help people during their complicated period of life.

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