Colli Real Estate

Got Trouble correct your credit report?

AA bad credit report can prevent obtaining credit. If you have problems obtaining credit, could be due to a credit agency has issued a negative report about you. You may be able obtain a copy of his report and, if it contains false information – get it corrected.

Can I view my credit report?

If you are denied credit, you are entitled to a free copy of credit report consumer which formed the basis for the denial. The creditor must tell you the name of the credit bureau that prepared the report about you. You should request a copy of your credit report the Agency within sixty days of the denial.

Three credit reporting agencies most important are:

Experian (800) 301-7195
Equifax, (800) 525-6285
Trans Union (800) 680-7289

When the creditor tells you the name of the organization that reports to the report, call to find address. Then write a letter to the agency requesting a copy of your report.

Even if you have been denied credit, it is likely that a good idea good to check your credit report for accuracy periodically. They often contain errors, and when you want to get a loan, you may not have time to correct. Because not been denied credit, the report is not free.

What information in a credit report?

In general, your credit report contains information about your credit history over the past seven years. Sample:

Who has borrowed
The amount of debt
Whether or not made the promised payment on time and in full
The identity of a creditor who has requested information about you

If present information Bankruptcy remains on your credit report for ten years.
What if my credit report is incorrect?

Has the legal right to challenge the completeness and accuracy of every item in the report.

Write a letter to the credit agency to explain some of the information contained in the report is incomplete or inaccurate. The agency must investigate your claim – without charge – within thirty days. The agency is required to remove any information is inaccurate or whose accuracy can not be verified.

If the research organization of credit assessment does not resolve the dispute, you have the right to send a letter to the agency (normally declaration 100 words or less) explaining your position. Your statement will be part of your credit report and inform creditors and other information contained in his file.

If you believe a credit reporting agency has violated your rights, contact the Federal Trade Commission or see a lawyer who specializes in consumer rights.

For this and more information on debt, bankruptcy and foreclosure visit: www.gottrouble.com / Legal / finance / index.html

About the Author

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