Creditscore Atlanta

Some states, such as Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont have state laws which provide consumers with an additional right to a free credit report. Once you have received your credit reports, you should check each report for errors.  Under the FCRA, Equifax, Experian and Trans Union are responsible for correcting inaccurate or fraudulent information on your credit report after you dispute the credit report error. Similarly, after you dispute errors to a consumer reporting agency, furnishers (companies that provide information about you to the credit reporting agencies) are responsible for correcting inaccurate or incomplete information. triple free credit report

HOW DO I DISPUTE CREDIT REPORT ERRORS? 1.  creditscore Atlanta Notify the credit reporting agency in writing of the information you believe is incorrect.  When you send your dispute letter to Equifax, Experian or Trans Union you should include supporting documents, such as proof of payment or an ID Theft creditscore Atlanta Affidavit. free credit report per year

You should also include your contact information, name, address, and Social Security number. The credit dispute letter should be sent by certified mail with a return receipt requested.  Explain to the credit reporting agency what is inaccurate and why it is incorrect.  You should request the credit reporting agency to delete the inaccurate information from your credit file.    A copy of creditscore Atlanta the dispute letter should be kept if needed in the future, especially if you end up hiring a lawyer to sue creditscore Atlanta the credit reporting agencies because they did not delete the credit report errors. credit check reports 2.  Notify the creditor or furnisher in writing that you dispute an item.  When you send your dispute letter to the creditor or furnisher you should include copies of creditscore Atlanta any supporting documents, such as proof of payment or a fraud affidavit.