Cheryl Winokur-Munk

speaker
1,406 appearances 26 recordings 2 series first heard Apr 2019 last heard Jun 2025

Cheryl Winokur-Munk’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · How to Spot and Fix Errors on Your Credit Report · 4 Oct 2021 podcast
Great to be here. voice-verified
Thanks for having me. voice-verified
Well, you may not know it unless you go to apply for a loan and someone says, well, you know, your credit is X and you wonder why. voice-verified
I mean, that's if something, there's an error that would affect that. voice-verified
But it may just be something innocent, like you're checking your credit reports, which you really should do. voice-verified
once a year. voice-verified
And now with the pandemic, the credit agencies have allowed you to do it once a week until April 2022. voice-verified
So it may be something where you're actually applying for some kind of a loan where you run into a problem, or it just may be something you're thumbing through the profile and or through your report, just innocently saying, just checking to make sure there are no errors and you see something amiss. voice-verified
Well, oftentimes the lender will make an error. voice-verified
Let's say that you made a payment. voice-verified
Let's say the payment was for $1,000 and then there's just the fat finger problem where it becomes $6,000 or it can be a misspelling or a phone number is wrong. voice-verified
The errors really run the gamut. voice-verified
Sometimes they can be very small errors that really don't make a difference. voice-verified
And sometimes people's voice-verified
credit profiles even get mixed up, which are much bigger errors. voice-verified
Like you have a similar name or a similar social security number. voice-verified
And then, you know, you're mixed up with somebody else and that can be a real, real headache to fix. voice-verified
So it's really important to try to do this on your own first because a lot of mistakes can be fixed by the consumer. voice-verified
You're going to want to go to all three credit agencies and you can find them online. voice-verified
The three credit bureaus are Equifax, Experian, and TransUnion. voice-verified
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