Currently viewing the category: "Credit Disputes"

Credit Verification and Review

On January 28, 2008 By

How to obtain your free Credit Report

We recommend www.annualcreditreport.com

This central site allows you to request a free credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
 

While they won’t usually provide you with a score unless you pay, you will [...]

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1.) Obtain Your Free Credit Report

On January 27, 2008 By

Obtaining your credit report:

As a consumer you are entitled to one free credit report per year from each of the big 3 credit bureaus. We recommend www.annualcreditreport.com

Make sure your credit report contains all three credit b

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2.) Review your Credit Report

On January 27, 2008 By

Reviewing Your Credit Report for accurate information

Make sure you clearly identify each item from your report that, to your knowledge, is innacurate.

Circle any errors you see in your report. What you want to review:

- Account opened dates
- Dates of last activity
- Any Invalid or unknown accounts (identity theft) [...]

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3.) Write Your Dispute Letter

On January 26, 2008 By

Writing your dispute letter

Your dispute letter will need to include the following:

– Your Name, Address, and Telephone number
- Your Social Security number or a clean copy of your actual credit report
- Company Name and Account number of the item you are disputing
- Brief explanation (20 words or less) [...]

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4.) Evaluate The Results

On January 25, 2008 By

The Follow Up

After you send your dispute letter you can expect a couple of things. By law, the credit bureau must investigate all of your disputes with each of the individual creditor accounts you disputed.

In about 30 days or so after you send your letter, the credit bureau is required to send [...]

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