Credit-Score-Reports.com

Credit-Score-Reports.com

Credit Report Obtaining your Credit Report Your Rights As A Consumer What Is Credit Scoring FICO® Scores Know Your Credit Bureaus Raising Your Credit Score Your Past Credit Paying Old Debts Closing - Adding Accounts Credit Report Inquiries About Bankruptcy Credit Repair Companies Monitor Your Credit Report Analyzing and Disputing Some Do's and Don'ts Improving Your Credit Score Reviewing your Credit Report The Dispute Process Letter Statements Letter Statements 2 Letter to Inquiring Creditors Settling Debts Overwhelmed Solution Resources

Disclaimer: For Legal reasons, this website provides general credit report information only.  Please consult with a financial attorney or credit advisor to discuss any legal or financial issues involved with these or any credit decisions. Information here is not to be taken as legal advice.

Your Credit Report

Analyzing and Disputing Your Credit Report This method applies to disputing directly with the credit bureau. You have the right to dispute any item(s) on your report that you find to be inaccurate, incomplete or obsolete. The credit bureau will then contact the creditor to verify your dispute. Under the Federal Law, the investigation must be completed within 20 working days (about a month).  If the credit bureau or creditor does not respond within 30 days, the disputed item must be removed. If the credit bureau investigates the item and the information is found to be inaccurate or no longer verifiable, the credit bureau must also delete the item. Keep in mind that if the negative item is several or more years old, many creditors may not respond to the credit bureaus investigation due to lack of records. Then the bureau must remove the item from your file. Very Important: Make sure you never dispute more than 3 items at a time with each credit bureau. Get those items fixed first before disputing any more. As discussed previously, it takes patience and persistence to get the job finished. You must also be organized and keep files and track records of all your disputes and efforts for all three credit bureaus. Also see here

"I couldn't believe it! I checked over my credit report and found an error from an issue I thought I had worked out years ago. By using your information I was able to clear it up and could then get that loan I wanted at a lower interest rate than previously expected"

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