Do You have Negative Credit Information in Your Credit Report?
If there is inaccurate or incomplete information in your credit report:
Contact both the credit reporting agency and the company that provided the information to the Credit Reporting Agency (CRA).
Tell the CRA in writing what information you believe is inaccurate.
Under The Fair Credit Reporting Act, the information provider is required to investigate and report the results to the CRA. If the information is found to be incorrect, it must notify all nationwide CRAs to correct your file. If the investigation does not solve your dispute, ask that your statement concerning the dispute be included in your file. A notice of your dispute must be included anytime the CRA reports the negative item.
If the information is accurate, only time, hard work, and a personal debt repayment plan will improve your credit report. Credit repair companies advertise that they can erase bad credit for a hefty fee. Don’t believe it.
Under the Credit Repair Organizations Act, credit repair companies can’t require you to pay until they have completed promised services. They must also...
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