Category Archives: Dispute Credit Report

Dispute Credit Report – Online Or By Mail?

Are you filing a credit dispute to challenge and remove incorrect information from your credit report, and wondering if you should file your dispute online, or with the old-fashion US postal mail? In short you should file your dispute through certified US postal mail.

You should do this because it will provide you documentation and evidence that you did send the credit bureau your dispute. We discourage you from filing your credit dispute online or by phone for a few reasons.

The first reason is because you have no proof or documentation that you even filed a credit report dispute. The second reason is because the credit bureaus have always had a less than dispute friendly policies. In other words we don’t trust that the credit bureaus will properly respond to an online dispute or if you file it by phone.

The Credit Bureaus Questionable History

Many consumers incorrectly believe that the credit bureaus are somehow part of our government or affiliated with the US government. The only relationship our government has with the credit bureaus is to regulate their behavior.

The reality is credit bureaus are private businesses (with stockholders) and they generate huge profits. Credit reporting is a massive industry with each of the major credit bureaus annually earning hundreds of millions of dollars.

The credit bureaus generate revenue by selling your credit report to lenders, insurance companies, employers… Every time someone checks your credit report the credit bureaus cash register rings.

However when the credit bureaus investigate a consumers credit report dispute they do not generate any money, and instead are only spending money. In other words it is not in the credit bureaus financial interest or their stockholders interest to investigate consumer credit report disputes.

The one and only reason the credit bureaus will investigate your dispute is out of fear that they will have to pay yet another fine to the FTC. Yes, that is correct the credit bureaus have been fined many times by the FTC, for not investigating and fixing credit mistakes.

The most outrageous of these violations is when the US government required the credit bureaus to set up 800 numbers, so consumers could call in and file a dispute. The bureaus complied and set up these 800 numbers and consumers began to call.

The missing key was our government did not require the credit bureaus to actually hire employees or even staff people to answer this 800 number. There are reports of individuals waiting exorbitant hold times and finally the FTC stepped in and assessed a fine to all three of the credit bureaus collectively, a total of $ 1 million dollars.

Congress passed the Fair Credit Reporting Act which regulates and governs the credit bureaus. This piece of federal law is what gives you and every US citizen the right to dispute any item that you believe is incorrect on your credit report.

This law was originally passed in 1970 as even at that time in history your credit report was a very important document. This law also says that the maximum amount of time an item can remain on your credit report is for 7 years. It also gives you one copy of your credit report from each credit bureau for free, every year.

However you choose to proceed with your credit dispute be it online, over the phone or following our suggestion and using certified mail, you can remove negative items on your credit report. Items get removed every single day and without just waiting 7 long years. If you experience any difficulty we encourage you to consider a credit repair attorney to help you succeed with your credit dispute and remove bad credit!

For more about how to dispute credit report and how to fix credit score and end the expense, frustration, and humiliation of a bad credit score visit us or call 1-800-298-4297 for a free credit analysis.

Important Changes To Credit Report Dispute Process – Credit Card Insider

Today’s question is: A settlement was recently reached between credit reporting agencies and the NY Attorney General’s office, bringing some important changes to how disputes and medical collections are handled.
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The dispute resolution process for credit reports has been difficult for some time, with too much power going to the banks and collection agencies. New legislation will change that, giving credit reporting companies more power to make changes. Medical collections will be treated differently as well, coming with a grace period and other benefits to the consumer.

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Why you should NEVER Dispute Credit Report Online!!! – Fix Score Now

< things kind =" application/x-shockwave-flash" design="width:425 px; height:355 px;" data ="// www.youtube.com/v/gMMCINo_80k?color2=FBE9EC&version=3&modestbranding=1" >< param name =" motion picture "value ="// www.youtube.com/v/gMMCINo_80k?color2=FBE9EC&version=3&modestbranding=1"/ > Why you must NEVER EVER challenge an inaccurate product on your credit score record via online! Credit scores surveillance business are currently offering online disputing procedure. There are BIG restrictions and downsides when it comes to doing the “Expedited Online Disputes”

DO NOT CONFLICT ONLINE!

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How To Dispute Your Credit Report

How to dispute your credit report and the federal law that entitles you to challenge the accuracy of any information on your credit history. For more tips check out our article http://www.yourbadcreditcard.net/dispute-credit-report/

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When you’re dealing with a debt collector, you generally can send a dispute letter to resolve an issue with them.

The best way to mail this letter is through certified mail, which is about .00 per letter.

In that letter, you should identify yourself by providing your date of birth, your name, and the last 4 digits of your social security.

You should also identify the issue with your credit report and, if possible, provide any evidence that proves there’s an issue.

If you have any questions about this topic, feel free to call us at 1-205-879-2447.

Thanks for watching!

John G. Watts
Watts & Herring, LLC
Serving consumers across Alabama
205-879-2447
http://www.alabamaconsumer.com/

“No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.”

Simple tips to write efficient credit report dispute page

How to write effective credit report dispute page

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As a provider of inexpensive credit fix, we have asked most concerns with regards to writing credit history dispute letters, such as “How can I compose a dispute letter?” or “just how do i take action myself?”, so this video will take care of the articles of a fruitful credit report dispute page, and what it seems like to build one of the own.
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How To Dispute Credit Report and Erase Items On Your Credit Report

You want to dispute your credit report and remove information that is not correct or that is hurting your credit score, right? How do you go about doing this? After all is this even legal to remove bad credit?

Is a common misnomer that credit repair is illegal or that if you dispute an item on your credit report that you know is correct you’ll face criminal charges. The truth is Congress has explicitly created and passed laws to protect your right to dispute any item on your credit report.

How Do I File A Dispute

The first thing you need to do is get a copy of all three of your major credit reports. The reason you have to get a copy of each is because often the information contained on your report with each bureau will be different.

A common mistake many consumers make is by just getting one credit report and then sending a dispute letter to all three bureaus based off the information from that one credit report. If you send the dispute for an item that is not contained on that bureaus credit report, you are shooting yourself in the foot. We have heard that credit bureaus will blacklist you and ignore any future dispute attempts you make.

Make sure you dispute the right items with the right credit bureau. In other words only challenge items on your Trans Union credit report with the Trans Union Credit Bureau.

In your dispute letter you need to include your name, your personal information, the item you are disputing, the reason for your dispute, and any supporting evidence you may have. You can file a dispute for many reasons such as: account is older than 7 years, account is paid, account is not mine, the balance is wrong…

Once the credit bureaus get your dispute and deiced it is valid they will conduct an investigation. When they investigate they’ll contact the collection agency or creditor that is reporting the bad debt and ask them to verify it. It is estimated that 3 out of every 4 bureau investigations result in a debt not getting verified, and if this is your result than the item must be removed from your credit report.

However you will probably have some difficulty getting your dispute deemed valid because of a few reasons. The credit bureaus frequently respond to consumer disputes requesting more information, but this is nothing more than a stall tactic.

Who Are The Credit Bureaus?

Many people believe the credit bureaus are a government agency. In fact the credit bureaus are private for-profit businesses that annually generate millions of dollars of revenue. They have public stock just like any corporation or business in America.

This is important because while the credit bureaus collect and record and provide your credit reports to lenders, they are still in the business of generating profits. If you have not connected the dots here, this means that the credit bureaus are going to avoid investigating consumer disputes because that is only an expense of doing business.

The Fair Credit Reporting Act requires the credit bureaus to investigate consumer disputes, however Congress also gave the credit bureaus the power to determine if your dispute is valid or not before they investigate. The reality is credit bureaus are only spending money when they investigate your dispute and because they are in the business or creating profits for their stock holders, they need to keep expenses to a minimum.

All of the major credit bureaus have been fined by the FTC, multiple times for not complying with the Fair Credit Reporting Act and investigating consumer disputes. This is why many individuals claim that credit repair is illegal or impossible. However the smart consumer turns to a professional to clean up their credit because you don’t have to just live with bad credit for 7 long years.

For more about disputing credit report and how you can go about fixing credit from your credit file visit us or call 800-230-1954 for a free credit repair analysis.

Most Recent Dispute Credit File Information

The Memory Of Eye On Malaysia (2007-2010)
dispute credit report
Image by tamahaji
Eye on Malaysia had been a transportable Ferris wheel installation in Malaysia. It started operating in Kuala Lumpur in 2007, ended up being moved to Malacca in 2008, and operated there until 2010.
Many sources credit Eye of Malaysia with an overall height of 60 metres (197 ft), however contradictory reports in Malaysian magazine The Star quote levels of both 60 m [1] and 62 m (203 ft).[2]

Eye on Malaysia very first operated at Titiwangsa Lake Gardens, Kuala Lumpur, in which it enabled visitors to encounter a 360-degree panoramic view of town center and over 20 kilometres of its environment, such as the Kuala Lumpur Tower, the Istana Budaya while the Petronas Twin Towers, during a 12-minute ride. It absolutely was revealed along with Visit Malaysia Year 2007 on January 6, 2007 because of the prime minister in those days, Abdullah Ahmad Badawi.

Eye on Malaysia had been relocated to Kota Laksamana, beside the Malacca River in Malacca, in belated 2008. It stopped operating in January 2010 pending the outcome of an appropriate dispute between its owners, Fitraco NV, a Belgian leisure equipment renting company, while the Malaysian operators of wheel. It was dismantled in October 2010 (Wiki)

Note: Old Photograph (discovered from my old desktop computer)

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Dispute Credit Report Online and Correct Your Credit File

Did you know that you can now dispute your credit report by going online and visiting each credit bureaus website? Let us review how the dispute process works.

The first thing you need to do is get a copy of your credit report from each major credit bureau, you can get these for free at annual credit report. However you are only entitled to one credit report from each bureau annually.

Once you have all three of these credit reports you need to review them and identify any items that you believe are incorrect or questionable. Don’t be surprised if there is different information on each of your credit reports, this is common. The reason is because some lenders do not report to all three credit bureaus.

This is vitally important because if you file a dispute with the wrong credit bureau and the item you’re disputing is not on your credit report with that bureau then often your future dispute attempts will automatically be deemed frivolous and ignored. For example if you dispute credit report to remove a charge off with Experian and your Experian credit report does not show a charge off then you will have a tough time in the future.

The next step is either going online or we encourage you to stick to the old-fashioned US mail to file your credit dispute. To do this online you have to go to each bureau’s website and fill out the instructions to file your dispute.

The reason we suggest that you use US mail is because this way you can include any additional supporting evidence or documentation that you may have. Additionally we are suspicious of the credit bureaus and how they may handle online disputes.

We say this because the FTC has fine each of the credit bureaus time and time again for not investigating consumer disputes. The largest fine by the FTC was roughly 10 years ago when all three credit bureaus were required to set up an 800 number so consumers could call in and file a dispute by phone, however the credit bureaus were not required to have employees answer these calls.

There were reports of people waiting up to 43 hours and longer on hold. All three of the credit bureaus were fined $ 1 million collectively, the largest fine to date. However critics were in uproar because from a business standpoint the credit bureaus saved millions of dollars by ignoring consumer disputes and not spending man-hours and resources correcting information that they had collected about you. In other words critics felt the fine was much too small.

Once you file your dispute the credit bureaus typically are going to respond by asking you for more information about the dispute. They don’t necessarily need the information instead this is a stall tactic the bureaus use because they want you to give up on your credit dispute. The bureaus have found it much more cost efficient to try and ignore your dispute than to actually investigate and correct your credit report information. However if you remain persistent you can fix bad credit.

It is a little-known fact that the credit bureaus only spend money when they investigate consumer disputes and therefore are reluctant to do this. Many people believe the credit bureaus are a government entity which is false. The credit bureaus are huge for-profit businesses that annually generate millions of dollars of revenue. The will eventually investigate your dispute, however only because Federal Law requires them to.

If you run into difficulty or just simply want to avoid the headaches we would encourage you to hire a credit repair service to clean up credit listings for you. They are very affordable at roughly $ 60 a month with typically $ 100 upfront fee. All you have to do is tell them what items you want to dispute and wait for the letters from the credit bureaus.

For a free credit consultation call 1-800-230-1954 or for more tips to dispute credit report online and get the bureaus to investiage and potentially remove bad credit visit us – this is one of the most effective way to improve credit score.

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