Fixing Credit Errors Step By Step

  •  When the investigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the credit card company verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the credit card company.
  • In addition to the CRA, you should also write to the credit card company about the error. Again, include copies of documents that support your dispute. If you are correct – meaning the information you disputed is found inaccurate – the credit card company cannot use it again. Further, at your request, the CRA must send notices of corrections to anyone who received your report in the past six months.
  • This article was written by ricardocobos

    Since relocating from Northern Michigan in 2007 I have lived in Garner (27529) with my wife Melanie and our four children. With personal production of 8MM in real estate sales across Southern Wake County I am considered to be a local market expert in the following communities: Garner (27529), Fuquay-Varina (27526), Holly-Springs (27540), Apex (27502), and Raleigh (27603, 27604, 27606, 27609, 27610)) which spans from downtown Raleigh to Willow Spring including Lake Wheeler. Call or email me, I’m here to help! Ricardo Cobos (919) 526-0183

    Comments

    1. […] Fixing Credit Errors Step By Step (via Raleigh Mortgage Guy) August 21, 2011 Drew Ludlow, Realtor/Broker Leave a comment Go to comments By now you know you should review your credit reports for inaccuracies every 90 days. But do you know what to do when you encounter a mistake in your credit report? Here are the steps need to be taken to correct the matter. The first thing to do is get a copy of your credit report from each of the three major Credit Reporting Agencies (CRA) : Equifax ,  Experian  & TransUnion. I recommend; AnnualCreditReport.com  because this way you only nee … Read More […]