Ryan asked:


If you are about to dispute credit report errors, here are some tips to get the results you want quickly.

1. Review your credit report periodically and be prepared to dispute credit report errors. It is common for information on your credit report to be inaccurate, and it can affect your ability to get a loan and the amount you have to pay to borrow money.

2. Only order your credit report form the official Annual Credit Report site. Any other website that offers a “free annual credit report” only does so when purchasing one of their products or signing up for a free trial that will automatically bill you after 30 days. The Annual Credit Report site is completely free and allows instant access to your current credit report.

3. After reviewing your credit report contact the credit reporting agency, in writing, about the information you believe to be inaccurate. Send a copy of your credit report to support your claim, and keep copies of all documentation for yourself.

4. Send your letter via certified mail so you have proof that the information was sent and a record of when the reporting agency received it. By law they have 30 days to review your claim and get back to you with a final determination.

5. If your claim is accepted, the information on your credit report will be removed and your credit score should improve. Upon request, the credit reporting agency must send a notice of the corrections to anyone that received your report within the last 6 months.

6. Keep an eye on your credit report going forward. Just because you dispute credit report errors and win, that does not prevent the creditor or lender to put the negative information right back on your file. If this occurs, you will have to start the process all over again.



Kansieo.com

Anna Josephs asked:


Credit report is a legal statement of your credit history. Credit report shows actual where do you stand in your financial dealing and it has all the detailed information about a consumer like address, date of birth, telephone number, method of paying bills, and also the information’s like did you ever been arrested, any legal dispute civil judgment, bankrupt and many more.

One can easily get their credit report thanks to FACT Act, under this Act a consumer can get a free copy of their credit report which can be helpful for them in all their financial dealing like purchasing furniture, house, vehicle and all others. Some time it may be problem for you as it has all your financial history.

At a time one can have the credit report from all the three legal financial companies. It’s not a big thing to get your credit report online as all three financial companies have their own legal websites. One has to fill up their online form which they have provided with all your correct information so that you will be able to get your credit report as soon as possible. Make sure you enter all the correct details as some of them won’t give their credit card number correctly. If it happens then your form will get rejected and will not be accepted by any of three sites.

You can find many online sites those who are providing you with credit report but it’s always good to have a copy of your credit report from a legal financial sites.

Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website Free Yearly Credit Report . For more details please contact at annajosephs@gmail.com



Leonard

knesa27 asked:


I have a collection on my credit report from the old AT&T, when they had wireless products (cell phone.) I paid my account in full, but when I went to check my credit report it says that I owe them $5.00 and they put me in collections. Now when I called the collection department to dispute it, the collection department no longer exists because AT&T wireless no longer exists!! Any suggestion on what I should do? I’ve already tried to correct the error with the credit reporting agencies, but they need proof that my account was paid in full. HELP!

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