Go to the website for the credit reporting bureau (the major ones are Equifax, Experian and TransUnion) that has the error. There will be a link to the form to request a check of the incorrect entry. The agency will send the form to the creditor and ask for a correction or confirmation that it is correct. If the creditor says it is correct, you can place an objection or your explanation why it is incorrect on your report. That will go out with the credit report whenever it is requested.
I suggest making sure you have a proper objection before you do that. Consult a local lawyer.
They don't! you actually have to pay them. Wrong! Negative information can only report on your credit report for 7 years from the DOFD and 7 to 10 years for Tax liens. Only information that stays on your report indefinitely is a criminal convictions
If the repossession contains unverifiable, incorrect, incomplete, or misleading information, the account may be deleted from your credit report.
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
A foreclosure will be expunged from a person's credit report after seven years have expired from the time the foreclosure was reported. Valid information on a credit report cannot be removed until the required time limit for reportage has expired.
You will need to contact the credit reporting agency that has posted incorrect information - the contact information will be included in the credit report sent to you, or you can contact the company via its website. However, if your credit report has weak points but the information is accurate, you will have to improve your money management habits to get the information to eventually drop off the report. Pay down debt, make payments on time, keep on top of what money is where, etc.
They don't! you actually have to pay them. Wrong! Negative information can only report on your credit report for 7 years from the DOFD and 7 to 10 years for Tax liens. Only information that stays on your report indefinitely is a criminal convictions
The credit reporting companies have a dispute form that you can use to dispute anything that is wrong on your credit report. Ask for this form or send a letter detailing the information in your report and explain why it is incorrect. They will investigate the matter and send you their findings. If it is incorrect they will remove it from your report.
paid charge off affects your report as it is negative information
All you have to do is dispute it. They'll investigage it and correct any inaccuracies
i need to get a repossession off my credit report
If the repossession contains unverifiable, incorrect, incomplete, or misleading information, the account may be deleted from your credit report.
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.
A foreclosure will be expunged from a person's credit report after seven years have expired from the time the foreclosure was reported. Valid information on a credit report cannot be removed until the required time limit for reportage has expired.
You will need to contact the credit reporting agency that has posted incorrect information - the contact information will be included in the credit report sent to you, or you can contact the company via its website. However, if your credit report has weak points but the information is accurate, you will have to improve your money management habits to get the information to eventually drop off the report. Pay down debt, make payments on time, keep on top of what money is where, etc.
If you don't have credit, you **can't** have a score, since they are solely based on your use of your credit. The bureaus return a report saying "no credit information on file".
IT IS NOT ILEGAL FOR ANYONE TO HAVE A DEBT SHOW UP TWICE ON THEIR CREDIT REPORT. THE BEST THING TO DO IS CALL THE CREDITOR OR COLLECTION AGENCY THAT THIS DEBT IS UNDER AND HAVE THEM REMOVE THE EXTRA INFORMATION OFF OF YOUR CREDIT REPORT. ASK THEM TO REPORT IT TO THE BUREAUS IN ORDER FOR THIS TO BE RESOLVED.