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Maybe you've had some major credit trouble in the past and you'd like to find a way to start fresh. Or maybe you never realized you had a credit problem until you were turned down for a loan or had your rate increased on an existing credit card. All of these situations can be signs of a credit problem.
You can't fix the problem until you know what it is. Therefore, your first action should be to get a copy of your credit report from a credit reporting agency. Visit External Resources for links to their sites.
Review your credit report carefully and mark every suspected error. If your credit report includes incorrect information, contact the credit reporting agency immediately. They will review your report, investigate your claim, and make the correction if one is called for.
Even if the negative items are true, you can still make things better. If the entry refers to an unpaid debt, contact the creditor to negotiate payment options. If there has been a dispute, you can ask the credit reporting agency to add a note to your credit report explaining your side of the story.
The good news is that, as you improve your credit habits, most of the negative entries may eventually fall off your report over time. This is more the reason to start as soon as possible managing your credit effectively.
If you are experiencing financial difficulty it is in everyone's interest to get it resolved. Call our (Customer Assistance) team at 1.800.404.1319. The earlier you contact us the sooner we can work out a solution.
If your life circumstances have changed, such as unexpectedly losing your job or becoming ill, check your statement to see if you have Balance Protection on your account. If so, your repayments could be covered.
Besides MBNA, you can also get free help and advice from a wide range of External Resources.
