|
|
FIX YOUR CREDIT FOR FREE HERE! |
||
|
( Christian Website)
How long does it take to remove inaccurate claims on my credit report that I dispute? It could take from 1 month to a year, depending on how fast you respond to the credit bureaus request. What if I dispute a claim that could be partly true? All credit reports must be 100% accurate, so that single account will be re-investigated and could be deleted. Is it hard to fix your own credit? No, actually it is very easy.
Is it legal to dispute claims? Of course the Fair Credit Reporting Act requires credit bureaus to investigate any claims on your report.
|
What to know and where to begin?
First read this from the FTC! Example Letter Provided...
You are held liable for your own credit reports. This is only material to help you dispute inaccurate claims made to your credit report. You can write to all the bureaus and tell them why you dispute the claims and ect. Both Federal and State Laws require creditors to make reports accurate, complete, verifiable. First I would get a copy of your credit report! You can try writing the 4 bureaus below to request a copy. Upon writing them they will need a copy of your DL and SS card or pay-stub with SS# to verify your identity. They will write you back to request this information. TREAT EACH CREDIT BUREAU SEPARATELY. The credit bureau companies are listed to the right. You can write the creditors yourself! Explain there is incorrect information posted on your credit report, and you would like information confirming this. If the information is not provided within 30 days, the inaccurate information must be deleted from my report. You may if you choose go into further detail. After Re-Investigation request for them to send you a complete detailed credit report .You may choose to list your accounts and account numbers that are reported inaccurate. Then beside this you will write your dispute, why you think this credit information is inaccurate. Then request a complete copy of your credit report once the re-investigation is complete in 30 days. Everyone is responsible for their own credit. Upon writing the credit bureaus you may include written receipts that show a paid off balance to back up your dispute or if you choose not too, that is also perfectly fine. After writing your letters print out 5 copies. One for each bureau and one for your own file. There could be many reasons why information posted to your accountant in-accurate. Account# Appearing on Your Credit Report/" Company Claiming The Debt" Your Dispute ( I was never more than 30 days late with this company) or (I never had this account) or (I have made more payments to this account than reported) or ( I paid this account off completely) ect. ect. You only explain the true reason why you disagree with the credit report. When you have something negative that affects your credit the creditor will send a report to Transunion, Experian, Equifax, and CSC credit services. You will need to write letters to each of these companies separately. They are all handled individually. So if something is deleted from one credit bureau, it may not be deleted from the other three. So you need to write them all and keep track of what is being deleted and corrected. After you receive the re-investigation report. The accounts that were not accurately corrected, you can re-address with another dispute or reason the report is inaccurate, for example( I was never late with this account). Once again, re-quest an re-investigation with your dispute, requesting the deletion of the claim, an a complete copy of your report within 30 days. Loans are all different if you are looking to buy : " Based on an opinion" A Car: Creditor will most likely pull Transunion Report. Land: Creditor will most likely pull Equifax or Transunion Report. Home: Creditor will most likely pull all 4. Upon writing the companies above they will in return request your DL # and SS #. Make sure that every-time a letter is mailed to you, requesting you send certain information, that you do in fact send it a.s.a.p.. Banks are all different as to which report they will pull, It is best to correct all 4. HINT: I would stay away from companies like LendingTree.Com Because what happens is when you insert your SS# that over 20 people will request a copy of your credit report and this lowers your credit score. The more people requesting or pulling your report the larger negative impact this will affect your credit score. 600-700 B Ranking 700-800 A Ranking HINT: This takes around several months to a year to fix regarding on how fast you respond to creditors letters. Your credit score can be drastically increased with urgent response to creditors request. Because of inaccurate material, there are a lot of turned down loan offers. It is only fair to you and the banks that your credit report be accurate. Feel free to link to us through your own personal webpage.
2006 All content is copyrighted, please do not duplicate this site. You can point to this site from your site by clicking to the right and inserting our banner to your page or creating a text link. This information is intended to be free to the public. More resources will be included weekly, so by book marking this page you will have the most current information.
No Deposit Required! |
For my reference:: OPINION BASED 2006
Contacting The Bureaus: Equifax Equifax Credit Information Services, Inc Experian (formerly TRW) National Consumer Assistance Center TransUnion LLC
Consumer Disclosure Center
1-800-680-7289 CSC Credit Services Box 981221 El Paso TX 79998 Phone: 800-392-7816 STOP IDENTITY THEFT: Contact the fraud departments of all 3 major bureaus: Equifax 1-800-525-6285 Experian 1-888-397-3742 Transunion 1-800-680-7289
2. Notify your bank. 3.Inform your credit issuers 4. File a police report with the local law enforcement
For more advice contact the FTC or Federal Trade Commission at 1-877-438-4338 ****Check your credit report annually ****Don't give out personal information ****Review your bills and statements on Regular Basis ****Guard your mail and trash from theft ****Shred items with personal information and account #'s ****Copy contents of purse and wallet ****Report lost or stolen credit cards immediately
If you have bad/poor credit:
If you have fair to good credit
You can refer us, by clicking here and copying and pasting our banner to your webpage. |
|
