Who should one contact in order to dispute credit reports?
To dispute your credit report, one should contact their credit card provider to account for any false charges. Check with the bank as well to make sure there are no outstanding payments to be made or missed payments.
If your brother's name is listed on your credit report as other names used does this mean his credit is mixed with yours?
Possibly. Mixed files happen all the time. If there are accounts on your reports that are NOT yours dispute them as not belonging to you. If your brother's name appears on your reports, dispute that as well. Accounts on your reports that are connected to any other names should come off your reports.
If your credit report shows a judgment without any information to verify or make a payment can you successfully dispute it?
If an account is scheduled to be removed from the consumer's report at one major credit bureau will it be removed from all other credit reports?
If you have a copy of your credit report the creditor's last known phone number and/or address should be listed. If it is not you can contact the credit bureau that it is reported with and they can try to get you that info. Otherwise, dispute it with the credit bureau. If they can't verify the information they will delete it. Good luck.
Your question is unclear. If you have a dispute with a charge on your statement (unrecognized or fraudulent charge), simply contact your issuing bank and advise them via the toll-free number printed on the back of the card. The charge will be put into a dispute file and a temporary credit will be issued. All finance charges on that particular charge are suspended until the dispute resolution process has been completed. If you have a…
First of all, you need to contact the merchant, that you have a dispute with. Please be aware that most credit cards indicate that any errors should be reported within 30 days after the statement date. If in fact there is an error, the consumer should request a letter from the merchant of the correction and have the merchant report the correction to the bureau. Also to be safe, the consumer should fill out a…
Can a credit card company report a deceased individual cardholder's information on a spouse's credit report for debt acquired before marriage?
Credit card users should check their monthly statements for fraudulent or suspicious charges. Credit users should obtain their credit reports once a year, for free, and review the reports for unknown / unrecognized transactions or applications for credit. All persons should protect their personally identifying information.
How can I get rid of all the inquires on my credit since it's affecting my credit score Who should I contact?
If someone used your credit card on an internet gambling site without your permission what happens if you dispute the charge?
Did you report the card loss to the issuer? If charges appear on your statement and you know that you did not make the charges, you can contact the credit card issuer to dispute the charges. You may have to fill out an affidavit that states you did not [have] knowledge of or consent to these charges. The credit card issuer will then go back to the company submitting the charges to dispute the amount…
Whenever you submit a credit report dispute, the credit reporting agency has as much as 45 days from receiving your dispute to do an analysis. The credit reporting agency generally will get 30 days to research your dispute, but when you signal more details inside the 30-day window, the credit reporting agency will get yet another 15 days, getting the total to 45. Once the credit reporting agency has got the outcomes of the analysis…
A charge off should be removed from the credit report when the required seven years has expired. Credit bureaus are sometimes lax in their reporting, therefore the consumer should keep track of entries and if necessary contact the CRA, present the needed documentation and request any invalid information be removed.
When you file a Chapter 13 bankruptcy and it is dismissed you decide not to go on with it will this show up on your credit report?
The filing of a Chapter 13 SHOULD show on your credit report. The dismissal MAY show. Without seeing all three of your credit bureau files, there is no way to know for certain. You should obtain copies of all three reports from Equifax, Experian and Transunion. Dispute the appearance of anything having to do with a bankruptcy if you did not "go through with it".
Should you dispute an entry on your credit report that is listed twice as the same account and same amount but different account numbers if both are listed as individual debt and should be joint?
Assuming that you properly listed the debt in your bankruptcy, the creditor should report the balance owed as zero and it should also correct your credit report to show that the debt was discharged in bankruptcy. You should send a certified, return receipt letter (keep a copy) to the credit card company and enclose a copy of your discharge. Demand that they correct this entry on your credit report. If they fail to do so…
A person can get the phone number or other contact information from Equifax by going to their contact us page. There they have several different options and one should click on the section pertaining to credit reports. Then one will find the phone number, mailing address, and email address available to get in touch with a representative.
For most people, the concept of repairing your credit means disputing the negative items in your credit reports in order to get the credit bureaus to remove them. Removing the items on your credit reports that are depressing your credit score in turn causes your credit score to improve or become repaired. The most basic form of credit repair is the credit bureau dispute. As a component of the Fair Credit Reporting Act, all consumers…
Will collection agencies remove old bills from your credit if you pay them in full or just show them as paid?
What should you do if a creditor listed on your credit report is no longer at the location shown on the report?
In Michigan I was faced with the same delimma. My spouse had some medical bills unpaid and in collections. I made a few payments and then my credit report was affected as if these were my bills. Rule #1- Unless you signed a cosigned on the bill you are not responsible for it. Rule #2- Dont listen to the collections agency. They will use any means to get the $$$'s. Rule#3- If already on your…
If your car was repossessed and then you paid it in full how can you get the credit report to reflect it as paid instead of a charge off?
If there are some medical bills on your credit report that should have been paid by your insurance company how can you have these removed?
You can attempt to have any item removed from your credit report by the same method; writing a letter of dispute to the bureaus. "...should have been paid by your insurance company..." is not a valid reason for dispute. If you were to write with this reason, (most likely) the accounts will be verified and they will remain on your credit for 7 years from the date they were defaulted.
If you paid off a credit card 4 years ago and it is still on your credit report they need proof that you paid it but you closed that checking account when you moved can you still obtain its history?
There are two things you should do. First, dispute the information with the credit reporting agency (you may have to dispute it with all three -- Experiean, TransUnion and Equifax -- if it appears on all three reports). This compells them legally to conduct an investigation and prove the information they show is correct. However, it's been said that those investigations are mostly for show, so you need to contact the institution through which you…
Fixing Errors on a Credit Report Nobody can legally remove accurate and timely negative information from a credit report. But the law does allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this, so you may want to go the self-help route and consider credit repair independently. According to the Fair Credit Reporting Act you are entitled to a free copy…
Yes, you can removed settled debts -- if they are outdated as defined by law. Under the Fair Credit Reporting Act negative information can be included in your credit reports for seven years. But there are exceptions to this rule: Information about criminal convictions may be reported without any time limitation. Bankruptcy information may be reported for 10 years. Information reported in response to an application for a job with a salary of more than…
Credit Report Agency says account accurate creditor wont provide you with accurate documentation What do you do to get it off your credit report?
Apparently the dispute may not been handled properly. Your next dispute letter should go to both the credit bureau and original creditor at the same time stating damages. There are sample letters available for you in good books but you must understand the dispute process first. Most consumers cause themselves more damage by not understanding the credit challenge process.
Yes you can remove a bankruptcy from your credit report. You must dispute it to the credit bureaus using the Fair Credit Reporting Act. The credit bureaus have 30 days to verify the listing or it must be removed from your credit report. A bankruptcy should only be disputed if it is erroneous or inaccurate.
If a lawyer has your charge off account and you've been paying on time do they have to update your information with the Credit Bureaus?
They are legally obligated to update your credit report when the account is paid off completely. In the meanwhile, if you have been denied credit because the balance is showing higher than it should be, can you request a copy of your credit report (and it will be free) and can dispute the balance. The offending company will have 30 days to answer your dispute or it will be removed from your record.