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Posts from November 14th, 2018

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November
14

The Truth


The truth is: as long as the information is accurate and timely on your credit report, no one can legally remove negative items. Anything a credit repair clinic can do for you, you can do for yourself at little or no cost. The law allows you to ask for an investigation of information that you feel is inaccurate. In addition to this there cannot be a charge for you to dispute mistakes or outdated items. Under the Fair Credit Reporting Act (FCRA), the consumer reporting company (company like TransUnion, Experian etc) and the information provider (that is, the organization that provides you credit) are responsible for correcting inaccurate or incomplete information.

 

Disputing an Item



  • Tell the consumer reporting company, in writing, what information you think is inaccurate

  • Include copies, NEVER originals of docu...

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