0
Get a copy of your credit report and dispute it. You can do it online at www.equifax.com, www.experian.com, www.tuc.com (transunion).
You dispute incorrect personal information by the same procedure as you dispute incorrect credit information.
1) Write to each credit repository detailing what is wrong and send proof of what is correct. 2) Ask for a new credit report as proof that the corrections have been made. 3) Mail your letters by certified mail, return receipt requested, so that you can prove they received your request. 4) Follow up, nagging them to death until they do what they were supposed to do the first time. 5) File a complaint with the Federal Trade Commission, sending proof, when they don't comply with the law within 30 days of receiving your written request.
What else can I help you with?
How can you remove incorrect information on your credit report?
you cant
How do you remove a bankruptcy from your credit report that isn't yours because you have never filed for bankruptcy?
Contact the credit bureau that has the incorrect information about the bankruptcy. They will contact whomever they need to in order to verify the information or remove it if it is deemed false.
How can someone dispute a repossession off a credit report?
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.
Can a debt collector remove negative information from my credit report?
No, a debt collector cannot remove negative information from your credit report. Only the credit reporting agencies or the original creditor can remove or update information on your credit report.
Can consumers sue credit reporting companies who maintain incorrect information causing the consumer to be penalized?
Yes, but you first need to follow the statory procedures under the Fair Credit Reporting Act to dispute the inaccurate information. If the reporting agencies fails to remove incorrect information, then you might have a claim for damages. There may also be a law in your state that provides more protection that the federal law.
How long does a bankruptcy stay on your personal credit report?
It can stay on your personal credit report for up to 10 years, but most credit reporting agencies will remove it after 7.
Does a bankruptcy remove the crediters from your credit report?
No, the information remains on your credit report.
What can you do if you have a dimissed Chap 7 bankruptcy from 4 yrs ago and creditors are reporting that you are in bankruptcy and you have disputed this and most won't remove the incorrect status?
The entry on the credit report is not incorrect, a dismissed bankruptcy remains on the CR for seven years from the date of the dismissal. Valid information cannot be expunged from a credit report until the required time limit has expired.
Can you sue a credit information bureau for incorrect information?
Unless you can prove that the bureau singled you out in order to ruin your reputation as a borrower (which is highly improbable no matter how you feel about the bureaus) you cannot sue the credit bureau. You can, however, request that incorrect information be removed from your record. If the creditor that you feel is fraudulent cannot provide records to prove that you are behind or have the account, the credit bureau will remove the item from your report... If you do feel singled out by one particular bureau and want to obtain credit, then ask the to-be-creditor to check your report from a different bureau and not from the one you feel has fraudulent information. They might concede with your request if they feel the situation is extreme enough...
How do you remove bankruptcy on my file that i never filed?
If there is a bankruptcy filing showing on your credit report and you did not actual file, you should dispute that information with the three credit bureaus. They will then investigate and remove the information if it is inaccurate.
How do you take off negatives that are not yours from your credit report?
To remove incorrect negative items from your credit report that are not yours, you should first obtain a copy of your credit report from all three major credit bureaus (Equifax, Experian, TransUnion). Then, file a dispute with each credit bureau providing evidence that the negative item is inaccurate and not yours. The credit bureau will investigate your dispute and remove the item if it is indeed incorrect.
How do you ask collectors to remove their listing on your credit reports completely in exchange for your payment in full do you get a letter first?
Negative information cannot be removed from a CR if it is a valid entry. The debt will remain on the report for the required amount of time, generally 7 years. If the debt is paid or satisfied the CR entry should reflect the action. Negative information that is VALID cannot be removed from the report until the requied time limit has expired. Any creditor who falsifies a report by stating a validly reported debt was a mistake is subject to penalties by the FTC under UCC laws. *That is incorrect. Any information can be removed by the source. if that were true than incorrect information would never be able to be removed. Incorrect information is removed all the time. If a creditor decides to strike a deal with you to remove information they provided to a credit bureau all they have to do is file to have it removed as misinformation.
