Credit reporting agencies must investigate and fix any errors on your credit report when you send in a credit dispute letter. Failure to fix the mistakes within 30 days is a violation of the fair credit act, also known as the Fair Credit Reporting Act (FCRA), and you can file a lawsuit against them to get your credit report errors corrected. Knowing how to dispute credit report errors is crucial in fixing your credit score. Our credit dispute lawyers will make sure you write a strong … [Read more...] about How to Make Credit Reporting Agencies Fix Your Credit Report Errors
Credit Report Dispute
Reasons to Dispute Items On Credit Report
Consumers today have many reasons to dispute items on credit report. There are many things that can negatively affect consumers’ credit report, such as: Crooked people who like to prey upon consumers’ credit information. Wrong or bad information appearing on the consumer’s credit report. Businesses or creditors that pull your credit without consumer’s authorization. Whenever detrimental events like these occur, it increases the chance of your credit score being lowered and … [Read more...] about Reasons to Dispute Items On Credit Report
How to Identify Identity Theft
There are many ways that your identity can be stolen. Once the identity thief obtains your personal information, a lot of false information can appear on your credit report. Fortunately, many tools are available to consumers that will help them identify identity theft. Some of these tools are: Fraud alerts Credit freezes Below you will learn how to identify identity theft and what you can do if it ever happens to you. Should any inaccurate information show up on your credit … [Read more...] about How to Identify Identity Theft
Using Credit Repair Letters to Fix Your Credit Report
It’s important to keep tabs on your credit report regularly. Many people assume that their score is accurate, and therefore, does not require them to worry about their score as often, but that’s not necessarily true. Many times, a credit report includes unverifiable, inaccurate or outdated items that can be removed. But did you know that you can use credit repair letters to fix your credit report? It's not as tough as people may think! Read one of our articles for specific tips on how to … [Read more...] about Using Credit Repair Letters to Fix Your Credit Report
Reclaim Your True FICO Score Range
Credit report errors can cause your FICO score range to rank lower than what it actually should be. This occurs more often than people realize; 1 out of 5 credit reports has inaccurate information. Two best way to dispute credit report items are to: Write a credit dispute letter or File a lawsuit against the credit reporting agency Credit repair companies can help correct errors on credit reports, but their services may not always be genuine (i.e. not fixing every error on … [Read more...] about Reclaim Your True FICO Score Range
Disputing Errors on Credit Reports – Lawyers for Credit Report Dispute
Disputing errors on credit reports can make drastic changes to your credit score and give you the benefit of being able to get a home loan, purchase a vehicle, or qualify for a business line of credit. Commonly seen errors on a credit report are: Incorrect or incomplete personal information, such as name or address. Incorrect credit information, such as late payments. Incorrect public information, such as a lawsuit that you were not involved. If you see any of these errors on … [Read more...] about Disputing Errors on Credit Reports – Lawyers for Credit Report Dispute