Are Fallible Check Their Work.
The people who handle your report
aren't immune to Murphy's Law (if anything can go wrong, it will). In fact, the
process is ripe for mistakes-one out of four consumers is victims of mistakes
on their credit report.
Typographical errors, misspellings, erroneous information,
omission of essential information... all can come back to haunt you on your credit
to YOU! Only YOU Are Ultimately Responsible.
for catching the mistakes? YOU are, NOT the people who make the mistakes. The
hard way to find out is when someone makes a decision to deny you credit, based
on erroneous information. That is why credit counselors recommend that you review
your credit report once a year.
Know Your Rights And Fix the Goofs.
you want to contest the completeness or accuracy of your report, file a dispute
with the Credit Reporting Agency that provided the report, and with the company
or creditor that furnished the information. Both the agency and the creditor are
legally obligated to investigate your dispute. Request, in writing, an investigation
that must be made within 30 days, explain the mistake and request that your report
Begin Early Credit Clean Up Can Take Weeks.
prepared, it can take weeks to get the erroneous information corrected on your
report, so you're much better off getting started NOW. If you can't resolve the
dispute, the creditor must report your dispute to the credit reporting agency.
have a RIGHT to:
What If It Isn't a Goof?
That's how to get the goofer-uppers to fix the goofs. Now what if YOU
have been less than perfect?
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