What can Rodriguez Tax and Credit Services do for me?
Answer: Rodriguez Tax and Credit Services will provide you with essential information you need to know as a consumer. We cannot assist you in credit repair or improving your credit score at this time.

What is a credit report?
Answer: A consumer credit report is factual record of an individual's credit payment history. It is rather like a snapshot because it reflects information that is current as of that date, but is subject to change. Credit reports are provided to credit lenders for a purpose permitted by law. The main purpose of a credit report is to help a lender make a decision quickly and objectively about extending credit to an individual.

How often should I check my credit report?
Answer:. Our credit history plays a major role when you apply for any type of credit or loan, such as a credit card, auto loan, mortgage, employment screening, utilities deposits and insurance. It is a good idea to know what is included in your credit history before applying for credit or a loan. Creditors and lenders use your credit history to determine if you are a credit risk. The most important thing you can do to demonstrate you are a good credit risk is to pay your bills on time. 

What information is not in a credit report?
Answer: Your credit report does not contain - data about race, religious preference, medical history, personal lifestyle, political preference, friends, criminal record or any other information unrelated to credit.

What is the cost of providing credit information?
Answer: Our established clients have access to our knowledgable staff, at no charge.

Do you loan money?
Answer: No. Rodriguez Tax and Credit Services is not a lending institution. We work with consumers in educating and strategizing the best solution possible to get your credit back in order and manage your money to ensure financial freedom in the future.

Do I have a right to know what's in my report?
Answer: Yes, if you ask for it the credit reporting agency must tell you everything in your report, including medical information, and in most cases, the sources of the information. The credit reporting agency also must give you a list of everyone who has requested your report within the past year -- two years for employment related requests.

Am I entitled to a free credit report?
Answer: In addition to consumers who are eligible for a free credit report through the Annual Credit Report Request Service; consumers in some states are eligible for a free credit report under state law. The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.

Can anyone get a copy of my report?
Answer: No. Only people with a legitimate business need, for example, a company is allowed to get your report if you apply for credit, insurance, employment, or to rent an apartment.

Can my employer get my report?
Answer: Only if you say it's okay. A credit reporting agency may not supply information about you to your employer, or to a prospective employer without your consent.

What kind of information do credit bureaus collect, and how long does it remain on my report?
Answer: Credit bureaus gather information supplied by your creditors. This includes how much credit you have available, whether you've had any 30 or 60 day late payments, and whether any accounts have been referred to a collection agency. Your credit report may also contain information that's part of the public record, including bankruptcies, foreclosures, liens and judgments against you. Bankruptcies remain on your credit report for ten years. Other negative information is eliminated after seven years.

Is my information kept confidential?
Answer: Yes. Rodriguez Tax and Credit Services privacy policy pledges that client information will be strictly safeguarded and stored in a secured area at our office. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information and will not disclose information to anyone except those persons authorized by you. All recycled paper containing confidential information will be shredded.

What credentials do you have?
Answer: Rodriguez Tax and Credit Services counselors bring you 20 years of financial background, including many years of collection experience, credit education, and budgeting services.