When it comes to E-Identity and Identity Theft, Hazel Valera of Clear Credit Exchange is a quite the expert. With over 20 years of advising Clients on how to protect their identity, Hazel’s skills in reviewing credit reports have mitigated several rip off cases that would have otherwise turned into a financial nightmare.
Hazel is also an expert witness to many California consumers and small businesses where inaccurate credit ratings have been reported by mistake or with malice. Many scam artists claim to be a government agency or official business, requesting for your personal identity over the phone. Unfortunately, consumers fall victim to these rip-off campaigns.
According to Ms. Valera 85% of consumers do not know how to truly read their credit report to truly spot a mistake or identity theft.
Valera states “In fact, 20% of the credit accounts that are inaccurately reporting are indeed fraudulent accounts unbeknownst to the consumer.
Only when a credit review is performed on a credit report which requires a line by line filtering procedure, will a consumer recognize that there is something wrong. From multiple reported aliases to addresses showing from other states, Hazel Valera and her team of Certified Debt Specialists can screen credit reports and ask the right questions to spot the inaccuracies.
Once an inaccuracy has been recognized by a Client, a formal complaint is filed by Clear Credit Exchange to initiate a correction.
Credit score ratings are key to living in today’s world and to an unobservant consumer – their future can be hindered indefinitely when inaccuracies exist on their credit profile. A recent 60 Minutes Report entitled “40 Million Mistakes” featured in February of this year, highlights the Credit Bureaus lack of cooperation and diligence in correcting credit reports, let alone reading a consumers dispute.
When we asked Hazel Valera about her experience with the Credit Bureaus she commented that it was almost criminal the way the Credit Bureaus treat consumers ” It’s truly a rip-off” says Valera ” She goes on to state that Credit Bureaus prefer consumers have bad credit because it requires them to pull more credit reports and apply at more places.
The best advice Hazel has for consumers are to:
1st. Sign up for credit monitoring.
2nd: learn how to read their own credit report and 3rd Never give any personal information over the phone.
Valera’s mission is to educate and empower consumers nationwide to avoid falling victim to our financial systems, institutions and scam artists.
Attempt These Pointers To Obtain Your Credit rating Healthier Once again!
Having a poor credit record can definitely hold you back today’s economic climate, so beginning to repair your credit rating is important. In many cases, though, people are unsure ways to get started out. When you are being affected by poor credit, the recommendation on this page will help you start off fixing your credit record.Clear Credit Exchange San Jose
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