Your credit score is a reflection of every piece of information on your credit report-whether it's yours or not! Be sure to review your reports from all three credit bureaus (Experian, Equifax, and Trans Union) for accuracy once a year and several months before applying for a loan. Over 70% of individuals are victims of at least one credit error often because a report is incomplete, contains information about someone else, or is out-of date. For example, if someone else has the same name as you do, their credit information may mistakenly be included on your credit report. Don't be a victim! If you notice an error on your credit report, you have the right to have it investigated and corrected.
Credit experts at ACCION suggest that you send the credit agency a dispute letter to initiate an investigation (visit http://yourmoney.accion.org to download a sample dispute letter). Include copies (not originals) of documents that support your position and prove your identity. Send your dispute letter and all relevant documentation via certified mail. Don't remain silent: clearly identify each item in your report that you dispute, state the facts, and explain why you dispute the information, and request deletion or correction.
Credit reporting agencies must investigate the claim within 30 days, and if the information proves to be inaccurate, all three credit reporting agencies must correct the information. If an error isn't found immediately, don't give up hope- you may also contact the creditor directly to resolve the problem. As a last resort, you have the right to tell your side of the story in a 100 word explanation attached to your credit report.
So go ahead and start investigating-it's your credit, after all!
Obtaining A Credit Report
A CCIE is Cisco's highest professional certification level and opens the door to many unique career opportunities. There are three different levels of Cisco Certification, each with their own sub categories, Associate, Professional, and Expert. Expert describes the CCIE certification level. It is estimated that there are only about 17,000 professionals in the entire world that hold this level of certification which is considered to be the highest level of IT certification, and has the highest salary track record in the profession.
While there is no formal requirement for taking the two part certification test, it is recommended that candidates have at least three to five years of IT experience. Many candidates build labs of their own to practice in, or rent time at locations where they can hone their skills. Passing the CCIE requires in-depth knowledge of many real-life networking situations. There is simply no substitute for being exposed to, designing, deploying, and troubleshooting a wide range of complex, real-world networks.
Candidates must also pass a qualifying exam to apply for CCIE certification, and then must pass the CCIE expert exam in their given track, as well as a laboratory component in which candidates demonstrate skills in different pressure-intensive scenarios. Candidates should be able to install, configure and maintain Voice solutions over IP networks. The CCIE Voice track, however, does not certify an understanding of the infrastructure over which VoIP solutions are implemented. Candidates need to keep in mind passport and visa details if traveling to another country to take the CCIE lab exam as well as factoring in the cost of the travel.
In addition, candidates must demonstrate a high level of expertise with devices such as SAN switches and directors, routers, switches and management solutions. The new CCIE builds on the success of three specialist certifications offered by Cisco to validate storage networking design, support, and sales skills. A high level of expertise with devices such as SAN switches and directors, routers, switches and management solutions. The new CCIE builds on the success of three specialist certifications offered by Cisco to validate storage networking design, support, and sales skills.
With the proper preparation it is possible to obtain this coveted certification. Extensive preparation is required, but the successful completion will provide greater career opportunities. It is estimated that some individuals even hold multiple certifications, which means that their possibilities for advancement and earnings increase in the IT field are virtually unlimited.
Both Your Money & You & Terry Parker are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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