What if there is a mistakes on my credit report
What if there is a mistakes on my credit report?
Simple credit report mistakes are easily corrected by writing to the credit reporting company, pointing out the error, and providing proof of the mistake.
You can also request to have your own comments added to explain problems. For example, if you made a payment late due to illness, explain that for the record. Lenders are usually understanding about legitimate problems.
Lastly, you can use the services of a proven legal law firm to help you with your Credit Repair.
Statistics show that 70 percent of credit reports contain serious errors that might cause consumers to be denied credit cards, car loans and even mortgages. The good news is that the Fair Credit Reporting Act requires credit reporting agencies to fix these mistakes. But it takes your diligence to make sure it happens.
Remember, there are three credit reporting services -- Equifax, TransUnion, and Experian -- so you need to check, and correct, the record held by each.
You may contact the three major consumer credit reporting agencies at:
800 685-1111
Get Your Equifax Credit Report Now!
P.O. Box 740241
Atlanta, Ga.
30374-0241
888 322 5583
http://www.experian.com
P.O. Box 2002
Allen, Texas 75013
800 888-4213
http://www.transunion.com
P.O. Box 1000
Chester, Pa. 19022
Below there is a Sample letter you can use to send to the Credit Agencies to correct your credit score.
Personalize the letter by entering your specific information in the areas in red. You can copy the letter and paste it into a program where you can make changes on your computer.
Date
Re: Credit report error
Dear Sir or Madam:
I have discovered inaccurate information on my credit report maintained by credit agency name. The report is in my name -- enter your full name here -- and my Social Security number is enter your Social Security number here.
Enclosed, please find a copy of my credit report containing the mistaken data. I have highlighted the errors. Specifically, the following information is in wrong:
The Fair Credit Reporting Act following defines the following as billing errors that must be corrected. Pick those that apply to your situation and detail for the credit bureau what you believe is the mistake. Be sure to list the creditor's name and account number for which the incorrect data appears:
- A purchase made by someone other than the account's authorized user or something that you did not buy.
- A disagreement between the purchase price and the price shown on the bill.
- A charge for a product or service that was not delivered according to agreement.
Mathematical errors.
- Questionable items or any entries for which you need more information.
Please investigate this matter with the creditor in question and you should find there is an error. When that is confirmed, please remove this error from my credit report.
In addition, please make this letter a permanent part of my credit record.
If you have any questions about my request or the credit information in question, please do not hesitate to call me at work or home phone number, depending upon when you would prefer to discuss the matter.
Thank you for your prompt attention to my request.
Your Signature
Your Typed Name
Your Address
City, State and ZIP Code
Enclosure: credit report
Lets continue!
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