Perverted Credit

Over ninety five percent of consumers in our country either have or are going through some type of credit issues that to anyone is… in a sense; embarrassing. But the reality of it is there is nothing to be ashamed of. Having a collection agency contacting you or a derogatory mark on your credit report most certainly does not make you a murderer or a pedophile. Credit issues are more common than people think. As a matter of fact most people with any type of derogatory marks on their credit report will be dishonest and say they have impeccable credit. Because of the negative stigma surrounding credit consumers are more apt to be untruthful regarding their negative credit than people who lie, cheat, steal and even kill. But these are unnecessary feelings since the majority of our country has had to deal with some type of credit issue not to mention the fact that over half of the derogatory credit accounts are by fraudulent creditors – not the consumers themselves. Credit hits home to many people on a personal and private level for many different reasons. Some people have had to deal with false accounts or accounts from identity theft reporting inaccurately on their credit report and have learned the majority of the time the credit reporting agencies do not do their job. Therefore reflecting in a higher monthly payment on loans or having to come up with more money down; while other consumers have had creditors or collectors harassing them at work or even at home. There is maybe five percent of our country who has not ever had to deal with some type of creditor or reporting agency issue.