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Credit Card Traps: How To Spot Them On The Spot!
They arrive in your mail - a conspicuous looking mail piece from some "official looking" bank claiming that you have been Pre-Approved for a Mastercard or VISA credit card.
Of course, you don't have to have any credit. You can even have bad...
Credit Establishment 101
There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true. One of the first things you will need to learn is the basic principle of money...
Credit Repair Business Opportunities - Huge Profit Potential!
In the world today, many people are further in debt than they realize. When they finally come to understand they need help, they are on the brink of bankruptcy. However, President Bush’s signature on the new bankruptcy law has changed this option....
Eliminate Credit Card Debt - 3 Reasons To Use A Debt Reduction Company Online
An online debt reduction company can offer you all the services
of a traditional debt consolidation company from the convenience
of your home. You can shop for the best fees and sort through
the scams all without making a commitment. In the end,...
Factors That Trigger Credit Card Rate Hikes
Are credit card companies trying to scam you? On the one hand,
they provide a valuable service that gives you the added
convenience of being able to purchase items and services you
need and sometimes don't need and to pay them off in a...
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Trusted Ways To Repair Your Credit.
Even if you think you have a perfect credit report, be vigilant of the error factor. Just as you receive mail with your name and address misspelled, your credit report can have errors just like anything else. Whether it’s human being error, outdated data or even id theft, mistakes occur more easily than we’d all like to think.
According to the law, both the CRA’s and the company that provided the information to the credit reporting agency have obligations for correcting mistaken or incomplete data in your credit report.
So, if you notice an error on your credit report, without hesitation notify the credit reporting agency in writing at once:
1. Tell the CRA what information you believe is wrong on your credit report. Include copies, never originals of documents that support your position.
2. In addition to providing your whole name and address, your correspondence should of course define 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 things in dispute circled can be beneficial.
3. Though you may take for granted your reason for writing is obvious, be sure to request that the mistake be corrected.
4. Mail your letter by certified mail, return receipt requested so you can take note when the credit reporting agency received your correspondence. Make certain your correspondence is dated, and be sure to keep
copies of everything you send.
Credit Bureau must look over the item(s) that you say are not correct, typically within 30 days unless they consider your dispute frivolous. They also must forward all relevant information you send them to the establishment (bank, credit card agency, etc.) that gave them the data for your credit report.
After the company obtains notice of a dispute from the credit reporting agency, it must review and inspect all crucial information furnished and report the resolutions back to the CRA’s.
If the information provider finds the challenged data to be incorrect, it must give notice to all nationwide credit reporting agency so that they can update this information in your credit report.
Challenged data that can’t be corroborated must be removed from your credit report.
Inaccurate information must be updated by the Credit bureau.
Incomplete information must be changed by the Credit reporting agency.
Any account that belong only to another individual must be deleted by the Credit reporting agency.
NOTE: Credit repair can be long and boring, the importance of understanding your rights cannot be stressed enough so be sure you take time to digest this information.
About the Author
To find more easy steps anyone can take to restore there credit report and what to do fallowing the investigation visit http://www.creditandyou.com it’s a absolutely Free information website!
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