TREATMENT: 'Once the flashing lights start you can prevent a fullblown migraine by taking painkillers, drinking water, upping your blood sugar with food and laying down in a quiet, dark room,' says Mr Constantine-Smith.
Consumers are entitled to a free annual credit report from each of the three nationwide consumer reporting agencies, Equifax, Experian and TransUnion. Consumers can go to annualcreditreport.com, the Internet site maintained by the three companies, to get their free report.
Join the credit reporting bureaus. The most effective method for reporting a bad debt to the credit reporting agencies is to pay a fee and report the bad debt directly. Each of the three credit bureaus: Equifax, Trans Union and Experian charge a small fee to join their agency and will accept debts as small as $50.Each credit bureau has its own guidelines for reporting bad debt but the general rule-of-thumb is to report debts that have gone unpaid more than 90 days.Step 2.he most effective method for reporting a bad debt to the credit reporting agencies is to pay a fee and report the bad debt directly. Each of the three credit bureaus: Equifax, Trans Union and Experian charge a small fee to join their agency and will accept debts as small as $50.