It is common for erroneous items to appear on a credit report. It happens to everyone. The good news is you can do something about it. You don't have to accept or deal with errors on your credit report and you should never pay on them either. You can have errors removed from your credit.
Errors on your credit may cause your credit score to be lower than it should be. It may even be the reason you don't qualify for the car or home you really wanted. You should never allow an error on your credit to remain on the reports.
Some credit report errors may be on one of the three major credit reports. The three major credit reporting companies are Experian, Trans Union, and Equifax. They don't always show from all three credit reporting agencies. This is why you should be sure to get a copy of all of your credit reports so you know if there are mistakes. You might have errors scattered throughout your report that you have never seen before. You will never know if you have errors unless you get all three copies and find out.
If you notice that you do have items listed on your credit that you are not responsible for you can do something about it. It is up to you to fix these mistakes. You don't have to hire a company to fix them for you either. All you have to do is get the account number on your credit report, the amount of money you owe for the item, and the name of the company. You will have to write a letter to the credit company and dispute the item. For instance, if Trans Union has an error on your report that says you owe a company $200 you will write a letter to Trans Union. You need to let them know that the listed item is an error and you do not owe them any money.
When you dispute erroneous items on your credit you will see them disappear after about 120 days. When you write a letter of dispute to the crediting agencies disputing the claim the business has 30 days to prove you do or do not owe the money to them. If you do not owe the money the items will be removed from your scores in another 90 days. You cannot speed up the process of removing errors from your credit reports but they will be removed.
If the company provides proof that you do indeed owe the money listed on your credit report the item will remain on your report. If the business cannot provide proof that you owe the claim to the credit reporting agency the item will be stricken from your report. It is easy to have items removed from your credit report if you see errors. You shouldn't hesitate to contact the credit reporting agencies if you see something on your report that should not be there. It is important for your financial security to properly monitor your credit and take care of errors on your credit if they are there. Your credit scores will remain as they should be.
Errors on your credit may cause your credit score to be lower than it should be. It may even be the reason you don't qualify for the car or home you really wanted. You should never allow an error on your credit to remain on the reports.
Some credit report errors may be on one of the three major credit reports. The three major credit reporting companies are Experian, Trans Union, and Equifax. They don't always show from all three credit reporting agencies. This is why you should be sure to get a copy of all of your credit reports so you know if there are mistakes. You might have errors scattered throughout your report that you have never seen before. You will never know if you have errors unless you get all three copies and find out.
If you notice that you do have items listed on your credit that you are not responsible for you can do something about it. It is up to you to fix these mistakes. You don't have to hire a company to fix them for you either. All you have to do is get the account number on your credit report, the amount of money you owe for the item, and the name of the company. You will have to write a letter to the credit company and dispute the item. For instance, if Trans Union has an error on your report that says you owe a company $200 you will write a letter to Trans Union. You need to let them know that the listed item is an error and you do not owe them any money.
When you dispute erroneous items on your credit you will see them disappear after about 120 days. When you write a letter of dispute to the crediting agencies disputing the claim the business has 30 days to prove you do or do not owe the money to them. If you do not owe the money the items will be removed from your scores in another 90 days. You cannot speed up the process of removing errors from your credit reports but they will be removed.
If the company provides proof that you do indeed owe the money listed on your credit report the item will remain on your report. If the business cannot provide proof that you owe the claim to the credit reporting agency the item will be stricken from your report. It is easy to have items removed from your credit report if you see errors. You shouldn't hesitate to contact the credit reporting agencies if you see something on your report that should not be there. It is important for your financial security to properly monitor your credit and take care of errors on your credit if they are there. Your credit scores will remain as they should be.
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When performing your credit repair you need to use MSI Credit Solutions to get your credit fixed right and quickly.
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