• A good credit report is not just important for getting loans, credit cards and mortgages, but now many companies consider your credit score when determining whether to offer you employment. If you decide to dispute your credit report, you have to consider what your rights are, whom to contact and if you should handle it yourself or hire someone to represent you.

    Dispute Credit report

    According to the Fair Credit Reporting Act, you have the right to dispute information on your credit report by contacting the three major credit reporting agencies; Equifax, Experian and TransUnion. These agencies collect financial information on consumers used to create credit scores that are evaluated by companies considering extending credit to these individuals. You can question information on your credit report you consider inaccurate, incomplete or unverifiable. The agencies then must research those disputes to determine if the information is correct. If the information can't be verified, it must be removed. Your rights under the Fair Credit Reporting Act also allow you to receive a copy of your credit report from all three major agencies once every 12 months. You can contact them online for the copies. Any dispute starts with knowing what information your report contains. And remember that each agency can have different information about you so your disputes might vary between the three agencies. For a fee, you can arrange with the credit agencies to view your credit report on a daily basis. Because you have to be in constant communication with the credit agencies in the dispute process, there are companies you can hire to represent you for a fee that will stay on top of the process. Be sure to research any company you choose to work with because you will be exchanging important personal information about you with them.


    Lexington Law: Credit repair

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