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Read the FDCPA these are your rights as a consumer if the debt is indeed false you may be awarded damages under certain consumer protection laws

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15y ago

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What is false credit reporting?

False credit reporting is defined as having incorrect information reported to one or more credit bureaus. In many situations, the false reporting is not intentional, but is the result of information mistakes. Some examples include the following: * Incorrect current balance * Incorrect credit limit * Incorrect payment timing If one believes that they have had false credit information reported, they shoudl review their credit reports and dispute any incorrect information with the associated credit bureau (the credit bureaus provide well-documented dispute processes online and via mail). If one believes that they have been made a target of identity theft, inform the credit bureaus that you want to place a fraud alert on your records. The fraud alert will stop identity thieves from opening any more accounts in your name. Also, you will be entitled to free credit reports for review. More information concerning identity theft may be found at the FTC website, included as a related link.


How is a civil judgment entered on a credit report?

Credit bureaus contract agencies to search public records. The judgment is then reported to the credit bureau and the notation is placed in the file of the judgment debtor. False/mistaken judgment entries on credit reports are not uncommon and is a major reason why consumer's should check their report on a regular basis. A civil judgment is entered on a credit report 15 to 30 days after a court proceeding. If the judgment is in fact true in nature, you can negotiate with the creditor to pay them on different terms to keep the judgment off. If the judgment is not yours, you will need to find the state and county in which they were filed and dispute this information with all three credit bureaus.


How can someone check if their credit report is accurate?

A person is entitled to one free credit report each calendar year from all three major credit bureaus Experian, Equifax and Transunion. This report can be viewed online and one can check the information it contains for accuracy. If errors are found you can dispute items listed online or by sending a letter stating why the item is disputed and it will be investigated and removed if it is truly false..


How do I get false accounts off my credit?

False accounts, otherwise called "Mixed Files", get put on to a person's credit report due to the search engine algorithm that is used by the credit bureaus to ensure everything belonging to that person is in the credit report. The requirement for something to be connected with your name and file are set very low. You need to send a dispute letter to the bureaus explaining that this is not your account and you want it removed. Unfortunately, you may need to send more letters since the bureaus are not really anxious to remove this from their files and the creditor or collection companies just want it reporting and conduct a poor investigation, (if they truly investigate it at all). This is why a good credit repair company can be more effective in getting things removed. As a credit repair company we go after them very aggressively, and, if necessary, turn the matter over to attorneys specializing in this part of the law.


Do you have to write all three credit bureaus to question?

You don't have to write to all three credit bureaus, but it's a good idea. They do not share information with one another, so correcting false data with one does not correct it with the other two. They all calculate scores differently. You have no way to know which bureau is going to be used by which creditor, so you want to make sure all of them have the most correct information.


What happens to YOURSELF if you report someone on moshi monsters do you get a reward or something?

no. They get reported and if it was a false report then the moderator can remove you from moshi monsters.


Anyone observed attempting to access a controlled PHI area should be reported to the police.?

FALSE


If a person is 4 months late on a car payment can it be reported stolen?

NOT unless it was stolen. Stolen cars are reported stolen. Cars securing a loan in DEFAULT are reported as DELINQUENT to the credit bureau. If you choose to report the car stolen, go ahead. I would not reccommend it though. Filing a false police report is illegal in most jurisdictions.


Steps on improving your credit score and credit report?

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 have the right to dispute with the credit bureaus any items on their credit reports that they feel are incomplete or inaccurate. In response to disputes the credit bureaus do not deem to be "frivolous or irrelevant", the credit bureaus are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If after the reinvestigation has been completed the disputed listing is found to be inaccurate or incomplete or cannot be verified, the credit bureau is required to modify or delete the disputed item from the consumer's credit report. All three credit bureaus provide online forms for disputing your credit reports. In addition, you have the option to mail dispute letters to each of the credit bureaus. Many experts suggest mailed disputes for documentation purposes. A second credit repair tactic and an extension of the credit bureau dispute is to work with the creditors who are reporting to the credit bureaus. In many instances, it is possible to successfully request that creditors stop reporting negative credit or change they way they are reporting a particular item to the credit bureaus in order to improve the appearance of the item on your credit reports. In cases where the creditor is reporting incorrect information, your rights under certain consumer protection laws such as the FDCPA and the FCBA give you tools to force the creditor to correct or remove any inaccurate listings. For many people who do not have the time to learn about and participate in the dispute process, there are a number of legitimate credit repair organizations who will manage the process for you. The majority of these organizations will learn from you which items on your credit reports you would like to dispute and then go through the process of crafting and sending dispute letters to the credit bureaus and to your individual creditors. Many companies also offer credit score coaching to advise you on other steps you may be able to take to improve your credit score. Credit repair companies are an easy way to dispute the information in your credit reports and many clients of these companies have experienced very satisfactory results. But as with any service, be sure to take the time to properly research any credit repair organization before providing them with your personal information. Largely to combat the fraudulent tactics of some credit repair companies, the Credit Repair Organizations Act (CROA) was enacted to legislate the industry. The CROA laws detail specific operational practices that credit repair organizations must abide by. These practices are in place to help you avoid becoming a victim of a credit repair scam. When shopping for a credit repair company, watch out for any company that tries to collect money from you before rendering any services, guarantees specific results such as a 100 point credit score increase, does not allow you to cancel the service at any time, and does not inform you of your right to repair your credit on your own. In addition, watch out for any company that offers to create a separate credit file for you. This process, known as "file segregation" is illegal and could end up getting you in trouble as well as the offending credit repair organization. Because the above methods of credit repair focus solely on removing negative credit from your credit reports, these tactics have become known as credit report repair. In addition to credit report repair, there are other tactics you can use to improve your credit score. Depending on your credit situation, these tactics may include paying down high credit card balances to improve your current level of indebtedness, diversifying your credit portfolio, ensuring that good credit is being reported, strategically refinancing loans, and so on. Understanding your credit score and how it is constructed will help you to determine which of these steps you should take to improve your credit score. There are four factors that affect your credit score. Be aware of credit repair companies online or in your local area who promise you something that is completely false or fabricated. There are alot of credit repair companies that are only there to take advantage of you.


Is it true or false In International Trade the credit becomes confirmed as soon as the advising bank at the request of the opening banker confirms the credit to the beneficiaries?

false


When paraphrasing or summarizing it is not necessary you give credit to the original source if you use your own word's true or false?

False. When paraphrasing or summarizing someone else's work, it is important to give credit to the original source, even if you use your own words. This is to avoid plagiarism and show respect for the original author's ideas.


How remove false charge from credit card?

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