Jan
29
How do you properly dispute an old credit card account to eliminate it from your credit report?
Filed Under Dispute Credit Report | Comments Off
Question by : How do you properly dispute an old credit card account to eliminate it from your credit report?
I know that staying on top of your credit report is essential to establishing a better credit score and that keeping tabs on it and outdated or old delinquent credit card accounts is a step to take. I heard that if you dispute those, they can sometimes be eliminated from your credit report. Is this possible and what is the appropriate or efficient to do this?
Best answer:
Answer by anywhoo
The first thing you’d need to do is to check the statute of limitations (SOL) in your state. If an account is still within SOL then it wouldn’t be a wise move to dispute it.As long as something is reporting “accurately” then there would be nothing to dispute. Though many times it doesn’t appear that the CRA’s or data furnishers know, or care, what accuracy is. If something is reporting inaccurately then you have a legal right to dispute that inaccuracy.You should read through the FCRA to learn about credit reporting. You might also do some reading in the Credit Forum on the site I’ve posted in the source box.
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Jan
25
Steal My ID
Filed Under Credit Reports | Comments Off
bit.ly Does your credit score keep dropping? Maybe your stuck in a dead-end job? Wife and kids hate you? Well, you’re not alone! StealMyID.com helps people get their identity stolen. And this video asks: is losing your identity something you really want to do? www.stealmyid.com
www.ScoreMoreCredit.com – Credit expert, Brian Diez, reveals why there are so many inaccuracies on your credit report.
Jan
21
I have all 3 of my current credit reports. How can I hire someone to look them over and tell me what to do?
Filed Under Credit Reports | Comments Off
Question by : I have all 3 of my current credit reports. How can I hire someone to look them over and tell me what to do?
My credit is horrifying. Unfortunately, it’s a little hard for me to understand my credit reports. I want to find out which items I can have removed or dispute.
Best answer:
Answer by Billy Shat
Go to your bank and have the personal banker look them over with you. They’ll do it for free.
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Jan
17
What words should I use to dispute incorrect reporting date, balance or credit limits on my credit report?
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Question by Jim J: What words should I use to dispute incorrect reporting date, balance or credit limits on my credit report?
Should I aim to get it completely deleted by stating it’s not mine? If not, how specific do I need to be with what is incorrect within a credit report listing?
Best answer:
Answer by Brad F
The wording doesn’t really matter, just state the reason. If you file too many disputes on one report, the attribute bureau may consider it a frivilous report and treat it as such. But if you submit it with evidence proving the are truely errors, they must investigate it.This site also provide some tips about this -http://buildcredit.ifastnet.comTake care.
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