Many consumers think that there is nothing they can do to change the information on their credit reports. Fortunately, this is not true. Federal law gives you the right to have erroneous information on your credit reports corrected. However, it is ultimately Your responsibility to make sure that your credit report is accurate. And unfortunately, experts say that 75% of all credit reports contain errors.
The Fair Credit Reporting Act, (FCRA) gives you the right to make direct contact with the credit bureaus and to dispute items on your credit reports that you believe to be incorrect. Any items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable can be disputed and if the bureaus cannot verify that the information on their report is correct, then those items must be deleted.
Many people find it too time consuming or too confusing to work with the credit bureaus and usually give up before they make any progress. However if you are determined then you can do it yourself. If you choose to do it yourself , you should research self help sites and find a resource guide to assist you in working to improve your credit scores. It is time consuming and takes dedication but it can be done.
If you are not interested in the “do it yourself” method then there are knowledgeable and experienced professionals who can help you.
Just be careful and do your homework. To learn more visit: Credit Repair Company Comparison
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Author: Robbie Hopkins
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