to review a copy of
your credit report right now,
Review Your Credit
Report for Inaccuracies
Each credit reporting agency follows their own
format, but they provide the information which will help you decode your credit report.
For each credit report, carefully note any records which you believe to be inaccurate, incorrect, erroneous, misleading or outdated. It does not matter whether the information is negative, neutral, or even positive, if it is in anyway erroneous it should be removed.
List All Inaccurate Items
Once you have noted each questionable item, you should
list them. Rank the most damaging information first, followed by the next most damaging, etc., until those items which are neutral. Do this for each credit report, as they may not all have the same questionable information on them.
The following ordered list should give you an idea of the significance of derogatory information:
- Deceased status
- loan default
- court judgments
- past due payments
- late payments
- credit inquiries
files and file variations
You will find that some of the questionable information is duplicated on one or both the other credit
You should send a dispute letter to each of the three major credit reporting agencies, for each questionable
item appearing on their report.
Inaccuracies in Credit Reports
Fair Credit Reporting Act * FCRA
steps required to restoring your good credit
a copy of your credit report
Your Credit Report for Inaccuracies
Agencies and your credit file
to settle a debt and negotiate a settlement
your credit rating
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