Send to the credit reporting agency in writing, what information you think is inaccurate. Include copies of any documents that support your position. In addition to including your complete name and address, your letter should identify each item in your report that you want to dispute. State the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, “return receipt requested,” so you can document that the credit reporting company got it. Keep copies of your dispute letter and enclosures.
When the investigation is complete, the credit reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it’s accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you ask, the credit reporting company must send notices of any correction to anyone who got your report in the past six months. You also can ask that a corrected copy of your report be sent to anyone who got a copy during the past two years for employment purposes.
Credit repair is the process of fixing a bad credit report, for whatever reason it deteriorated in the first place. It may be as simple as fixing mistakes with the credit agencies. Identity theft may require extensive credit repair work. The second form of credit repair is to deal with fundamental financial issues, such as budgeting, and begin to address legitimate concerns on the part of lenders.
Community credit repair advocates will create a comprehensive plan to improve your credit score, helping you ensure a stable financial and professional future. We will help you obtain your credit report from all three major bureaus, and conduct an in-depth comparative analysis. Besides explaining how credit scores are calculated and the laws that protect you, we also educate you on how our process works. Finally, we share the estimated time to repair your credit score and the way forward.
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