Credit reports
It is very important that you run a credit report on yourself at least once every 6 months. Credit Report Agencies are rarely ever accurate. Checking your credit report is vital to make sure that everything on your credit report is true.
The first thing you do is get your credit report. We have listed a company below for you to get your credit report through:
After you have ordered your credit report. PRINT IT
OUT.
Check for inaccuracies. Fix them! Don't think that inaccurate
information on your credit report has to stay there!
Most people who get their credit reports and see
inaccurate information just go about their day not knowing the serious
damage this can cause to your Credit Score. Do something about it!
The FCRA gives you the right to dispute inaccuracies and
omissions, and it requires credit bureaus to investigate your
complaint (generally in thirty days), send you a prompt response and
correct any errors. The law as well requires the source of inaccurate
information (such as a bank) to correct the record at the credit
bureaus to which it initially provided the erroneous information.
Send your dispute letters by REGISTERED MAIL. Credit companies will
respond faster if they know you can prove you filed a complaint on a
certain date. Keep a record of when you sent the dispute letters and
what date you should expect a response. If you have received no
defense to your claim after thirty to thirty seven days, send another
registered letter requesting an updated credit report and demanding
the disputed credit record be deleted.
If the bureaus don't reply in the thirty days, it must be that the
information they had on file was either inaccurate or unverifiable. In
either case, based on data from the Fair Credit Reporting Act, the
credit record must be immediately deleted from your credit report.
You can find a great example at the FTC website that you can copy and
use for your own disputes:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm
Equifax
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