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Credit Report

Credit Reports is a reflection of the paying habits of the borrower, the aggressive or the conservative use of credit, the public records such as judgments, tax liens & bankruptcies, and the record of inquiries made by various current or potential lenders and creditors. Based upon the information reported on your credit report one determine the credit worthiness of the person. Unfortunately, because of the similarity of some peoples’ names and social security numbers, erroneous reporting by lenders, creditors, or the Credit Bureau itself appears on the credit report unbeknownst to you.

The Credit Bureau plays no part in the decision to take any action on your loan application request and is unable to provide you with specific reasons for the decision on a loan application. It is important to monitor your credit by requesting the credit bureaus to provide you with a report at least once a year. This is your way of finding out if anything unusual or erroneous data that may find itself on your credit report. This ensures that the reports are always accurate.

If you wish assistance in evaluating and analyzing your credit worthiness, you may contact us at info@crestlinefinancial. com and a qualified person will assist you with your concern or question. Some basic advice may be given or suggested to improve your credit scores.

Credit Repair

There are Credit Repair Counselors and Advisors that work with or are affiliated with Crestline Financial. If you understand credit reporting then you should understand Credit Repair. Credit reporting agencies used to have access to very personal information about the public. In 1970 congress passed the Fair Credit Reporting Act.

Basic Useful Information: 

  1. The major credit bureaus (Experian, TransUnion, Equifax), must follow over 300 rules and/or guidelines before they post the information on the public domain.
  2. There are currently no monitoring agencies or companies that watch over these three credit reporting bureaus for accuracy and compliance with the rules and regulations set forth by the Federal Trade Commission. 
  3. The Creditors and Lenders report on each Social Security Number and corresponding Customer name to these Credit Bureaus on a regular basis but sometimes fail to do so for 30, 60, 90, or more than 120 days. 
  4. The Creditors and Lenders sometimes do not report accounts that are fully paid off and thus these accounts still show up on your report with outstanding balances. 
  5. Similar information sometimes causes the Credit Reporting Agency to get confused and adversely affect your credit.

Common Credit Errors


  • John Smith - There are many persons with this same name throughout the country. 
  • The possibility of two having similar middle initials is also a good probability. 
  • Similar Social Security numbers are very common. It is very possible that on a bad day… the clerk inputting the information failed to hit the right key on the computer and chose the other person with a similar name or SS#.

The Above Examples are Common Occurrences. For three decades Credit Reporting Agencies have ignored this act because financial institutions support the credit agencies, not the consumer. Credit Reporting Agencies are swamped with millions of requests for credit reports, so it is impossible to follow every letter of the law.

Credit repair is basically a process that identifies inaccurate, outdated, and obsolete information on a client’s credit report. This process forces the credit reporting agency to delete the outdated, obsolete, and inaccurate items. The above process is repeated until only the favorable items remain the credit report . There is no mention of any deletions made. Therefore all of the bad items are gone.


Crestline has a network of Life & Disability Agents and Fire & Casualty Brokers that have aligned them selves with the Company. They represent the best insurers in the industry


Crestline works with some of the top securities dealers and agents in the industry and has managed to point many of its clientele to the participants of the referral network system. Products may range from simple mutual funds, stocks, bonds, and other marketable securities. A more detailed and tailor made product portfolio may be designed for you by the qualified experts and duly licensed individuals or companies regardless of age, social, and economic standing. They will analyze your risk tolerance as well as your particular overall investment objectives.