Jan
29
How do you properly dispute an old credit card account to eliminate it from your credit report?
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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staying on top of your credit report is essential to establishing a better credit score and that keeping tabs on it and outdated or old delinquent credit card accounts is a step to take.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
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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Jan
9
How do I dispute negative items on my credit report?
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Question by Big “O”: How do I dispute negative items on my credit report?
I have one negative item on my credit report. How do I dispute this item? I have heard that if you dispute an item and that particular company does not acknowledge it can be removed from the report all together. Is this true, and how do I go about doing this? The negative item is from Mac Tools Distribution, if that will help. There is an address on my report although there is no phone number. Do i need to call them, or a different source?
Best answer:
Answer by crystal_lipp
Go to this site – it has a form and instructions on how to dispute the entry. http://www.oskie.com/credit-dispute.htmHope this helps!!
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Dec
28
how can i get the paper work needed to dispute my credit report?
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Question by teresa h: how can i get the paper work needed to dispute my credit report?
i need to clean my credit report for free
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