A :? Not quite. If you find an error on your credit report, there are different steps you have to take on your own. However, the credit report monitoring services can certainly help you fix your credit report for errors and improve your overall credit.
How to correct errors on your credit report
First, you need to examine your complete report 3-bureau credit. We always recommend seeing your credit report within three offices - TransUnion, Equifax and Experian - because there may have different information on each. For example, you may find an error in your TransUnion credit report that is not in your Experian credit report. After finding the error, you must file the dispute on the particular office website where the error was found. If the error appears in all offices, you should file a dispute with each. Here is where to file the dispute for each office:
Experian | Equifax | TransUnion
After filing your dispute, make sure you follow up with the office after some time has passed. The Fair Credit Reporting Act requires that credit bureaus have 30 days, or a "reasonable" amount, in search of your dispute. After this period of time, they may decide that the article was correct and no changes will be made, modify the error and make accurate or completely remove.
If you are not satisfied, there is a section on your credit report where you can add a "declaration of consumers." This is a statement of 100 words that describes a dispute, which gives potential lenders an idea why it is a particular negative item on your credit report. The report becomes part of your credit report and is visible at any time your credit report is accessed.
services credit reports monitoring can help to correct errors on your credit report
Although the credit report monitoring service themselves can not file a dispute for you, the monitoring service high credit report have helpful representatives customer support who can walk you through the process and explain specific items in your credit report. in addition to that, get credit reports updated every two months a great way to constantly check your credit report for errors. In fact, services to monitor your credit reports daily and alert you immediately if any changes in your credit file. This is a great way to catch errors that about 52 million Americans had in 2012 according to the FTC. These errors can be simple office errors or worse, the result of identity theft. Either way, mistakes can seriously affect your credit score, forcing you to pay higher interest rates and spend more money.
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