The Most Important Things You Need to Know About Correcting Your Credit Many credit related questions can be answered by looking reading through this material. Credit Report Errors - First and Last Points You Need to Know: If you learn these four things you have 80% of credit reporting law [...]

What is a Credit Report? Local Bureaus: In addition to the Big Three there are many companies that combine Experian, Equifax and Trans Union reports into one credit report or might use one and incorporate it into something like a rental report. Local Bureaus: In addition to the Big Three there [...]

Credit Report Error: Tax Liens On Credit Reports It used to be a wide variety of public records information was reported on consumer reports by the national bureaus including criminal cases, small claims and lawsuits. Now it is almost all Federal Tax Liens, State Tax Liens (aka Tax Warrants), Bankruptcies [...]

Sending Credit Report Disputes: Addresses for Credit Reporting Bureaus Send Disputes to Credit Reporting Bureaus. It is imperative you send dispute letters directly to the credit reporting agency. This is not only a logical step, to have an action against a company that provides false data to a credit reporting [...]

Importance of Noting a Debt as Disputed An important right you have to improve your credit score is noting a debt as disputed during the credit report dispute process. You have this right under many laws and it has been interpreted as applying to furnishers of credit report information under [...]

Example Credit Report Error Dispute Letters The following are examples of credit dispute letters that have been sent for consumers. They are only examples – there is no “credit report dispute form” that is right for all occasions. Your credit error dispute letters should be tailored to your situation and [...]

How to Write a Credit Report Dispute Letter? Use the following simple guidelines to write your credit dispute letter. 1. Send in paper letter. Disputes over the phone or internet tend not to be worth the paper they aren’t written on. If the customer representative is abusive, the recordings tend to [...]

How to Solve Your Credit Dispute Have you ever faced a problem with your credit card charging you for the same items twice? Or any other billing error where you have been harassed mentally? Then the credit dispute process, you can correct these things without cursing yourself. Credit reports are [...]

Credit Reporting Error – 6 Facts You Didn't Know Keep these six facts in mind if you have a credit reporting error. Dispute With the Credit Bureau: Usually you should be talking with the credit-reporting bureau in case of any credit reporting error, not the creditor to get your rights [...]

Reporting Errors in Credit Reports - Locating the Cause of the Report Error The following list details some of the most common errors in Credit Reports. Creditor error. Improper Format: The creditor or “furnisher” of information to the CRA provides the information in a database format that allows the CRA to [...]