You have the right to dispute an information on your credit report that you believe is wrong. You can ask the credit reporting agencies to correct errors. it's FREE
Watch out for:
mistakes in your personal information, such as wrong mailing addresses or incorrect date of birth.
errors in credit card and loan accounts, such as a payment you made on time that is shown late.
negative information about your accounts that is still listed after the maximum number of years it is allowed to stay on your report.
Why do errors matter?
They may give lenders the wrong impression. You could be turned down for an application or receive a lower credit score than you should have. Even errors that seem minor, such as a misspelled name or a wrong address, could cause problems when you apply for credit.
What cannot be changed?
You cannot change factual, accurate information related to a credit account. For example, if you missed payments on a loan or a credit card, paying the debt in full or closing the account will not remove the negative history. Negative information will only be removed after a certain amount of time.
Watch out for "credit repair" companies that claim they can eliminate negative information, for a fee, before the date it would normally be removed from your credit report. This is not possible.
Call us today for a FREE credit report consultation at 1-888-693-1439
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