Credit Profile Management is of utmost importance for an individual to know how to manage his/her Credit Profile Properly. This includes the declaring of disputes at the respective credit bureaus.
Cure Debt assists their clients to ensure that the information contained on their Credit Profile, is a true reflection of their credit and payment history. If Credit Profile Management is not done properly, it will impact your credit life negatively and you will be declined when applying for credit.
A lot of individuals are not aware that you can get a free credit report from the major Credit Bureaus annually. This will assist you to maintain your credit report and the information on it.
Why is it so important to maintain the information on your Credit Reports?If you apply for credit and your credit name and score is not good you will not be successful in your credit application.
If you want to buy a house, and your credit score is not good, the bond application will be declined.
If you want to buy a vehicle and your credit score is not good, you will be declined for the vehicle finance.
This will not only affect you when applying for credit but also when applying for a lease of a property? You will be declined if your credit score is not good.
This is the most basic and important reason why you need to maintain a good credit rating or score.
Therefore it is advisable for any individual to study his/her Creditor Profile once per annum.
What do I do to clear my Credit Score / Rating if there’s information that need to be rectified?First you contact Cure Debt and tell them about your problem and they will advise you on the best possible route to follow to clear your credit score / rating.
They will take this one step further and will also assist you in this endeavour. This is unfortunately not a free service but they will not charge you any monies if they cannot assist you with this endeavour.
How can this information be rectified?If a creditor account is listed with an outstanding balance due, and this amount have been paid in full, the client must submit a paid up letter to confirm that this account is paid in full and the listing will be rectified accordingly.
How long does it take to rectify my Credit Profile?If all the documentation are in order, it will take 21 working days for the amendments to be made.
How many Credit Bureaus are there and where can I find them?There are 4 different major
Credit Bureaus and you are entitled to one free credit report per annum, from each of these credit bureaus. Utilise the following links to obtain a copy of your Credit Profile from one of the 4 major Credit Bureaus:
Transunion: Free Credit Report
Experian: Check your Free Credit Report & FICO score
XDS: Get your XDS Credit Report Free
VeriCred: Credit Report Delivery options 
