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
It can be harder to get a mortgage or get a good loan, a favorable loan on a car, for example. voice-verified
The other thing is that when you're going to rent an apartment, sometimes landlords look at your credit to see the status of your credit and if you're a good credit risk. voice-verified
And if you have mistakes that can affect your credit, it could really make things either a lot more expensive or a lot more difficult to either get a loan or get an apartment or any of those things. voice-verified
It really does, because it's your credit report, and you're the one responsible for it. voice-verified
So even if someone else is causing the error, you're the one who's going to feel the damages and should make sure that any errors are fixed. voice-verified
So one possibility is visiting the National Association of Consumer Advocates. voice-verified
Right on their website, you can search for attorneys by state that deal with these kinds of issues. voice-verified
There are also credit repair firms. voice-verified
These are going to cost a fee, and you have to be really careful that you're working with a legitimate firm. voice-verified
And you don't want anyone who engages in illegal or shady practices. voice-verified
So never pay in advance of services being received, for example. voice-verified
You have to get a written contract, which is going to include certain details about the job that this company is going to perform. voice-verified
And you have to be told in writing that you have the right to cancel. voice-verified
So that you shouldn't do because you can't fix what's correct on your credit report, even if you don't like it. voice-verified
So that's not what this process is for. voice-verified
You may have negative information on your credit report, but that may just be legitimate. voice-verified
The process for fixing your credit report is fixing an error on your credit report. voice-verified
If it's not wrong, you can't fix it. voice-verified
So Congress is trying. voice-verified
There's some efforts in the House. voice-verified
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