Credit report errors usually aren't even obvious until a year or after the bankruptcy has been completed.
You may have lost or tossed your bankruptcy documents by that time.
Credit report errors can happen, so periodically get a copy of your credit report to make sure everything is correct.
It's especially smart to review your credit report before applying for a mortgage, credit card or other important loan, so that an error doesn't slow down your credit approval.
If you find mistakes on your credit report call the agency and ask for forms to dispute errors on my credit report or what ever method they want you to make inquiry.
Legally, the credit reporting agency is obligated to remove the items while an investigation into the accuracies of the items is accomplished.
So although it appears as if the company kept its promise by getting the items removed, if the investigations eventually prove the items are accurate, the items are reinstated onto the credit report, and the consumer is out whatever money they paid the company to remove the items in the first place.
Legal Helpers bankruptcy lawyers have considerable experience in helping bankruptcy clients clean up their credit reports.
Now, Legal Helpers extends this service to the general public.
Fixing your credit rating is easier than you may think.
For the most part, creditors and lenders don't have any particular bias against helping you fix your credit score.
On the contrary, they see you are trying hard to reestablish your credit, thus making you a good candidate for a loan.
Fixing credit report errors also includes payment histories so get the correct forms to dispute errors on my credit report or just write to them.
If you see late payments and you have the information to back up your corrections, the credit bureau will investigate and make the appropriate changes if it is found to be incorrectly reported.
Fixing credit reports takes a lot of time; get professional help to fix them before you run into problems and embarrassment.
Asking for help saves you time and money.
Job applicants can have a corrected copy of their report sent to anyone who received a copy during the past two years for employment purposes.
If a reinvestigation does not resolve your dispute, ask the CRA to include your statement of the dispute in your file and in future reports.
Job applicants can have a corrected copy of their credit report sent to any employer who has requested their report in the past two years.
Write your own letter asking that they correct the error--make 3 copies and address one to each reporting company or ask them if they have forms to dispute errors on my credit report.
Attach a copy of the lender's letter to each one showing that it was reported in error.
Each year you must request fresh copies of your credit report from the three credit reporting agencies.
Once per year you are allowed to request a copy for free.
Once your creditor receives your statement, they must acknowledge receiving your protest within 30 days, and conduct an investigation within 90 days.
While the investigation is ongoing, your account may not be closed or restricted.
Although everyone's credit history is different, most people will see progress within the first 45 days of our service.
The majority of time is spent waiting for the credit bureaus to respond to requests.
If they cannot verify the disputed information within that time frame, the disputed item will be deleted from your credit report or updated as requested.
A revised report, reflecting the results of the investigation, will be sent to you at the conclusion of the investigation.
If they do not respond within 30 days, send another letter.
In this letter you will include a copy of your dated original letter and a new letter firmly requesting they remove the disputed information.
You should receive notice that your dispute has been received within 5 business days of the receipt of your dispute.
Expect to receive a response on the completed investigation within 30 days.