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Are You A Credit Risk? No? Are You Sure?
You may not find out how bad your credit really is until you apply for a mortgage. Then you will quickly realize that the low interest rates everybody raves about these days, the rates that are a big part of the rising prices of real estate across...
Bills are due and Credit Repair is in Place
The bills are due and credit repair is in place. This happens
too many times with many individuals and families, so don't get
discouraged there is hope. We can calculate our bills by
factoring in utilities, telephone, credit cards, mortgage,...
Getting a Debt Consolidation Loan with Bad Credit
If you've ever tried to get a debt consolidation loan with bad credit, then you know that it isn't always easy. It may seem odd that you can have such trouble being approved for a loan designed to help people who are in debt, but many lenders can be...
Personal Loans For Bad Credit- Credit History Sees A Decline In Loan Decisions
When Mr. Thomson, your next door neighbour, returned from his
second trip in a month, you were bound to say how. How come Mr.
Thomson, who is on the same rank as you, enjoy so many expensive
holidays, when you have your wife and kids swearing on...
Pre-paid Credit Repair builds credit
If you are having difficulty with your credit score and rating,
or having a hard time getting a credit card you might want to
consider a pre-paid card. Nowadays it is virtually impossible to
purchase anything without a credit card. Lenders today...
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Simple Steps To Improving Your Credit Report
Even if you think you have a wonderful credit report, be wary of the error factor. Just as you receive mail with your name and address misspelled, your credit report can have errors as well. Whether it’s human error, out of date information or even mistaken identity, errors occur more easily than we’d all like to think.
Under the law, both the credit reporting agency and the organization that provided the information to the credit reporting agency have responsibilities for correcting inaccurate or incomplete information in your credit report.
So, if you find an error on your credit report, be sure to notify the credit bureau in writing
immediately:
1. Tell the CRA what information you believe is inaccurate on your credit report. Include copies, never originals of documents that support your position.
2. In addition to providing your complete name and address, your letter should clearly identify each item in your credit report that you dispute. State the facts and why you are disputing the information. Enclosing a copy of your credit report with the items in question circled can be helpful.
3. Though you may think your reason for writing is obvious, be sure to request that the error be corrected.
4. Send your letter by certified mail, return receipt requested so you can document what the credit reporting agency received. Make sure your letter is dated, and don’t forget to keep
copies of everything you send.
Credit reporting agency must reinvestigate the item(s) in question, usually within 30 days unless they consider your dispute frivolous. They also must forward all relevant data you send them to the information provider (bank, credit card agency, etc.).
After the information provider receives notification of a dispute from the credit reporting agency, it must review and investigate all relevant information provided and report the results back to the credit reporting agency.
If the information provider finds the disputed information to be inaccurate, it must notify all nationwide credit reporting agency so that they can correct this information in your file.
Disputed information that cannot be verified must be deleted from your file.
Inaccurate information must be corrected by the CRA.
Incomplete information must be corrected by the CRA.
Any account that belong only to another person must be deleted by the CRA.
NOTE: Credit repair can be long and tedious, the importance of knowing your rights cannot be emphasized enough so be sure you take time to digest this information.
About the Author
To find more easy steps anyone can take to repair there credit report and what to do after the investigation visit http://www.creditandyou.com/creditrepair.html it’s a free information website!
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