Category Archives: Correct Credit Report Errors

How To Dispute Credit Report Errors – And Get The Bureaus to Fix Them

An error on your report can be devastating. Not only can it negatively impact your ability to obtain affordable credit, but it can also impact your insurance rates and your chances of being offered a job.

Everyone is entitled to one free report from each of the three major bureaus per year. It is a good idea to request it from one of them every four months. This will serve as your own monitoring service to ensure no negative or incorrect data is being provided. To request one, visit the annualcreditreport website. This is the only site that truly offers you a free copy according to federal law. You can also call 1-877-322-8228 or fill out the required forms and submit via mail to get your free copies.

Once you receive them, make sure all of the information is correct. If you find an error, you must contact both the bureau and the entity that provided the inaccurate information. Under the Fair Credit Reporting Act (FCRA), both are responsible for investigating and correcting the record if found to be incorrect or incomplete.

The first step is to contact the major bureaus. You can choose to submit a dispute online, but it is not recommended. It is better to submit it in writing and send via certified mail with a return receipt requested. Write a letter which clearly states what information you believe to be incorrect and why, as well as what corrective action you would like taken, i.e. deletion or correction.

Include copies of any documents you have to support your position, but do not include originals as you need these for your files. It is also a good idea to include a copy of your file from the bureau with the items you are challenging circled so that there are no questions. By law, they must investigate within 30 days. They must forward all relevant data to the provider, who also must investigate and provide a statement back to the agency. Further, if they find that you are correct, the item must be deleted.

In addition to correcting your record, the reporting agencies must notify you in writing of the changes and provide you with an updated copy of your file. This does not count as your yearly free copy. If you request, they must also notify anyone who received it in the past 6 months of the corrections, and you can also request to have this information sent to anyone who has looked at it for employment purposes in the past two years.

Errors can have a huge impact on you financially. It is important to remember that you have the right to ensure your record is correct. While disputes can be time consuming and stressful, you must remain focused as an incorrect item must be erased according to federal law.

For more about how you can file a Credit Report Disputes and remove the inaccurate information from your report in order to Fix Your Credit Reports visit us – you can also get a free credit analysis by calling 800-251-3505.

How to find, correct errors on your credit report

How to find, correct errors on your credit report

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How I Dispute Credit Report Errors - Part 1

< param name="film" worth ="//"/ >< img alt="Just how to discover, right errors on your credit history record" src=""/ > Errors to your credit score record can cost you a work, acquiring power, and also loan. Video clip Ranking:/ 5< things type="application/x-shockwave-flash" style="width:425 px; height:355 px;" information ="//" >< param name="flick" value ="//"/ >< img alt="Exactly how I Dispute Credit history Report Errors -Part 1" src=""/ > Get the The best ways to Fix Your Credit history Digital book on – Get the Ways to Fix Your Credit history Program + Rewards- For more suggestions register for my e-newsletter!: TransUnion mailing address: TransUnion P.O. Box 1000 Chester, PA 19022-1000 Equifax mailing address: Equifax P.O. Box 740241 Atlanta, GA 30374-0241 Experian mailing address: Experian P.O. Box 2002 Allen, TX 75013-2002 WEB SITE TWITTER: Facebook: Youtube: RSS SUBSCRIBE

How To Fix Credit Report Errors When All Else Has Failed

Do you start to see the 60 Minutes TV reporting the extreme level of issues in credit rating reports? Fort million folks have errors within their credit reports. While a substantial few they are errors have repaired through the regular networks of contacting the credit bureau, a lot of people are unsuccessful obtaining the mistakes removed from the credit history. The result may be economically heart breaking:

a. Failure to secure that loan to get a property or maybe a car or education
b. A lowered credit score needing increased repayments for loans you are able to obtain
c. Continuing hounding from creditors regarding identity theft

The issue is that credit rating bureaus will simply take the consumer’s grievance and go it along for creditor, in other words. the lending company. The lending company after that sends straight back a notice to your credit bureau that the information into the credit bureau’s documents coincides aided by the information of the lender. Case sealed. Therefore the advice for customers to start writing the credit rating companies to improve issues in their credit score is merely a waste period because credit agencies will fix absolutely nothing and only report what the creditors tell them. The better strategy should go to the lender to repair credit files.

Naturally, in many cases, your loan provider will just report that their documents are correct and that means you, the consumer, tend to be basically wrong.

I’d this type of example occur to me twice, with 2 well-known finance establishments. Both in cases, I squandered numerous months attempting to possess error corrected through the regular networks, in the beginning aided by the credit reporting companies then straight with all the creditors. In addition employed a company which advertises prolifically as being able to fix to your credit rating problems in addition they just duplicated the measures that I had already completed. We next discovered the greatest cure. We sued the lenders and credit agencies in small-claims courtroom.

This option would be greatly effective for all reasons:

a. In certain states, your lender won’t be capable dispense with you as fast as they need. Typically, any formal judge activity is taken care of by their particular appropriate unit and they have a well-organized procedure for replying through legal networks. However, in a few says their particular overpaid lawyers tend to be of hardly any worth since lawyers are not allowed in small-claims courtroom. And so the creditor, to be able to appear and on occasion even react, need do so using their non-legal employees. That is unwanted and pricey for them given that they lack an ongoing process for this. It is much simpler for your lender to just repair your credit report.

b. In states by which they can employ their legal division to respond, the hardship for the creditor is the fact that response has to be by look at a small claims judge hearing. This will be pricey because a person could need to get on an airplane and invest the required time along with expense in managing your problem. It really is less difficult for the financial institution just to replace your credit history.

c. Filing an official suit may be the best way to search for the interest of an individual with brains or authority in the standard bank. Just before achieve this, you’ll be dealing with clerks and automatons that simply repeat the exact same business policy advertisement nausea therefore get nowhere fast. As soon as you have the interest of thinking individuals, oftentimes it becomes quickly apparent in their mind, that they need to fix your credit report.

d. You get the attention associated with the correct people making yourself a pain within their part at under $ 100, which is the typical expenditure of processing a suit within small claims courtroom.

Thus, people can either waste months of energy and possess lots of despair and discomfort or get my e-book which explains in detail how-to efficiently file the activity in small-claims judge, get the suit on correct individuals and also one’s credit report fixed within sixty days.

Larry is a prolific writer and speaker to your financial services industry. Get their step by step e-book on getting your credit report fixed fast.

Fix Your Credit Report Errors for Free!! Client Robert Casey Testimonial

Credit report errors? Client Robert Casey describes how Attorney Gary Nitzkin fixed his credit reports and got him monetary damages, all for free!

Credit Reporting Agencies such as Trans Union, Experian and Equifax frequently make mistakes on consumers’ credit reports. About 70% of consumer credit reports contain some mistake. Chances are excellent that your credit report contains an error. Approximately 20% of these mistakes result in the denial of credit or a higher rate of interest. Some of the more common mistakes made by the credit reporting agencies include:

•Identity theft. This type of error is growing exponentially and may be the number one cause for credit reporting mistakes today.

•Mismerged information. This kind of error occurs between different people with the same name. For example, John A. Doe who lives in Montana may have his credit information placed on John A. Doe who lives in Florida. This is a very common mistake.

•Discrepancies amongst credit reporting agencies for the same debt. One credit reporting agency may report a debt as current while another might report it as delinquent.

•Delinquencies that are reported longer than 7 years. Derogatory credit information has to be removed from your credit report after seven years from the first delinquency. Sometimes a debt buyer or a collection agency “re-date” a date of last delinquency so that a derogatory stays on your credit report longer than seven years. In 2004, the Federal Trade Commission hit NCO Financial Systems with a .5 million fine for doing this very thing. A delinquent debt may not be reported longer than 7 years on your credit report. Yet, in order to force you to pay the debt at some point, some collection agencies “re-date” the beginning date of the debt so that it stays on your credit report longer.

We can get errors removed from your credit report for free.

Using the Fair Credit Reporting Act (“FCRA”), our credit repair lawyers can fix your credit for free. We will write the appropriate letter to the credit reporting agencies to get the item removed for you. If we are successful after writing a letter, you owe us nothing. If we have to sue the credit reporting agencies to get the offending trade line removed for you, you will still owe us nothing. The FCRA requires the defendants to pay your fees and costs and we look to them to do so. Of course, you can write a dispute letter to the credit reporting agencies yourself, but why would you want to when we will do it for free?

We can also get money from the credit reporting agencies for you.

Under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act (“FACTA”), we can get money damages for you if we have to sue the credit reporting agency to get your credit report cleaned up. You may be entitled to actual damages including emotional distress, embarrassment and humiliation. Call us for a free case evaluation.

Put our 20 years of experience to work for you.

We have filed numerous lawsuits under the Fair Credit Reporting Act. We have been highly successful for our clients and have collected large amounts of money for them. We know the law and more importantly, we know how our opponents think and evaluate cases. Put our experience to work for you and let us get your credit report cleaned up and get you paid.

If you think your rights have been violated, call Attorney Gary Nitzkin, toll free at (888) 293-2882. The call is free and the advice is free. You can also email him at Visit our site for more information:
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Fix Your Credit Report and Dispute Errors | TransUnion

For more information on credit disputes, visit our dispute page at:

If you see errors in your credit report, it’s important to take the proper steps to fix the problems. If the item pertains to a loan or other credit account, contact the creditor yourself, or contact the credit reporting company to initiate a dispute with that creditor on your behalf.

Contact the appropriate credit reporting company directly to correct spelling errors of your name, address, and other personal details.

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(Partial Transcription)

Do you see something in one or more of your reports that doesn’t seem right? Here are steps you can take to fix a potential problem.

If the item in question pertains to a loan or other credit account, you can either contact the creditor yourself, or the credit reporting company to initiate a dispute with that creditor on your behalf.

If it involves the spelling of your name, address, or other personal identifying information on one of your reports, contact the appropriate credit reporting company directly.
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