Tag Archives: Errors

Credit Report Errors – Why Do I Have To Dispute Directly To The Bureaus?

You must dispute directly to the credit bureaus or credit reporting agencies – Equifax, Experian, and Trans Union in order to trigger liability and responsibility on the part of the furnisher or creditor.

When I say credit bureaus, I mean Equifax, Experian, TransUnion and Innovis. There are a whole host of credit bureaus, but those are the main ones.

“Why do I need to go directly to them, rather than just sending a letter to Discover Card or to the debt buyer like Asset Acceptance or Midland Funding?”

The reason is the Fair Credit Reporting Act. The Fair Credit Reporting Act imposes obligations on both credit bureaus, the Equifaxes of the world, and also on the furnishers like Chase, Citibank, Midland Funding, Unifund and those types of people.

To have liability where you can actually sue under the Fair Credit Reporting Act, you have to go directly to the credit bureau. It may not make sense to us, and really it’s just a political accommodation when the laws were being passed, but you have to go through that sort of filtering mechanism.

You go to the credit bureau. Then the credit bureau sends the dispute, or at least information about the dispute, to the furnisher and says, “Hey guys, what do you want to do?”

The furnisher has an obligation to investigate, and the credit bureau has an obligation to investigate. They both have independent obligations.

When we sue them, they always like to point the finger at each other. The credit bureau says, “The furnisher gave us bad information.” The furnisher says, “The credit bureau didn’t tell us about the dispute.” They like to blame each other. That’s fine. We don’t care. We love it when defendants in a trial are pointing the finger at each other.

Just remember that you need to go directly to the credit bureaus. You can also send a letter directly to the furnishers. That’s a good practice, but make sure you dispute directly to the credit bureaus. Tell them why this is a problem, and give them any supporting information.

We’ll go over this in more detail in another video, but I wanted to answer that question of, “Why do we go to the credit bureaus directly?” It’s because that’s the only way to ensure that you have a valid Fair Credit Reporting Act lawsuit claim against the furnisher.

http://www.alabamaconsumer.com/CM/Articles/FairCreditReportingActClaims-DoIHaveToDisputeWithCreditReportingAgenciesBeforeSuing.asp

Here are the frequently asked questions on credit report errors – http://www.alabamaconsumer.com/CM/Custom/FAQs-about-Fair-Credit-Reporting.asp

If you have any questions about what we’ve talked about in this video, 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

Home

“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.”

Credit Report Errors – Step One Is To Pull Your Reports

< object kind =" application/x-shockwave-flash "design =" size:425 px; elevation:355 px;" information ="// www.youtube.com/v/B-qa27WBlug?color2=FBE9EC&version=3&modestbranding=1 ">< param name="flick" worth ="// www.youtube.com/v/B-qa27WBlug?color2=FBE9EC&version=3&modestbranding=1"/ > To know if you have mistakes on your credit scores report, you should pull your reports. To correct those mistakes, you need to recognize specifically what is stated in your records.

The very initial action is to simply pull your credit score reports. You can not recognize if there are mistakes on your credit scores reports unless you have actually pulled them and checked out them.

There are a selection of methods to do this online. The most effective means, and it’s the complimentary method, is to head to www.AnnualCreditReport.com. When you get to that site, you have 3 options. You can get your credit scores reports completely free online. It will certainly also offer you a phone number to call, or you can complete a PDF kind that you can print off. Load it out, mail it in, and after that get your records free of cost. This is presuming that you have not received your cost-free reports within the last 12 months.

If you have gotten them, after that you’ll should go each specific website of the significant debt bureaus and also buy those reports. We do not advise obtaining a three-in-one or going anywhere apart from www.Experian.com, www.Equifax.com, and also www.TransUnion.com.

The various other area that you can obtain your complimentary report is called www.Innovis.com. This is a debt bureau which is acquiring prominence. In our experience, increasingly more companies are utilizing this certain credit report bureau to report on. You absolutely intend to get your Innovis record.

There are actually thousands of debt coverage companies, but if we obtain these four it will certainly provide us a great photo of just what our debt documents look like, and why our credit rating are where they are.

In our following video, we’ll speak about just what to do with the debt reports. If you haven’t currently done so, then do it currently. Pull your credit scores records free of charge.

We hope this has actually been valuable to you. We anticipate visiting with you in our next video. Thanks very much.

Right here are the commonly asked questions on credit score record errors – http://www.alabamaconsumer.com/CM/Custom/FAQs-about-Fair-Credit-Reporting.asp

If you have any type of concerns regarding just what we’ve discussed in this video, don’t hesitate to call us at 1-205-879-2447.

Thanks for seeing!

John G. Watts
Watts & Herring, LLC
Offering consumers across Alabama
205-879-2447

Home

” No depiction is made that the high quality of the legal solutions to be done is more than the high quality of lawful solutions carried out by other legal representatives.”

How to correct errors on a credit report

How to correct errors on a credit report

Joanne from Experian talks about what you can do if you spot errors or mistakes in your credit report.

See your Experian credit report at experian.co.uk

You can watch more credit questions answered by Experian’s Experts here: https://www.youtube.com/playlist?list=PLYQ4gPMWBXCF7au3HxAiCeKhRD11Yp92s
Talk to us on Twitter: https://twitter.com/ExperianExperts
Join us on Facebook: https://www.facebook.com/ExperianUK
Check out our blog: http://www.experian.co.uk/blogs/consumer-advice/
Video Rating: / 5

Correcting Errors On Your Credit Report

< things kind="application/x-shockwave-flash" design="size:425 px; height:355 px;" information ="// www.youtube.com/v/VO00KZicO1Y?color2=FBE9EC&version=3&modestbranding=1" >< param name="flick" worth ="// www.youtube.com/v/VO00KZicO1Y?color2=FBE9EC&version=3&modestbranding=1"/ > Partially 2 of our credit history series we assess how you can appropriate errors on your credit history record! Subjects covered include:

– Ways to access all 3 credit scores records
– When and also the best ways to submit a conflict with credit history bureaus
– Insolvencies as well as negative deals on your credit

To learn more please take a look at Part 1, and likewise visit our web site at www.brentonharrison.com

Registered Representative/Securities and also Financial investment Advisory Services provided with Signator Investors, Inc.,
Participant FINRA, SIPC, a Registered Investment Expert.
Henderson Financial Group, Inc. is independent of Signator Investors, Inc.
3322 West End Method # 810, Nashville, TN, 37203 615-385-3867

“How Do I Fix Credit Report Errors?”

http://www.alabamaconsumer.com/2016/01/how-do-i-fix-credit-report-errors-when-they-come-up/

One question which could one thinks of is, “how am I able to fix my credit file?”

First, you ought to pull your credit reports.

You are able to pull all of them for free at https://www.annualcreditreport.com/index.action

After that, you will need to consider all of them and find out if you can find any dilemmas.

If there are problems, then you need to dispute them via qualified post.

When you have any questions, or would like guidance, please feel free to contact us at 1-205-879-2447.

Thanks for viewing!
John G. Watts
Watts & Herring, LLC
Serving customers across Alabama
205-879-2447

Home

“No representation is made your quality of the appropriate services is performed is greater than the quality of appropriate solutions performed by other attorneys.”
Video Rating: / 5

Latest Correct Credit Errors News

Image from page 37 of “Negro slavery in the northern colonies” (1902)
correct credit errors
Image by Internet Archive Book Images
Identifier: negroslaveryinno00bogg
Title: Negro slavery in the northern colonies
Year: 1902 (1900s)
Authors: Boggess, Arthur Clinton
Subjects: Slavery Theses
Publisher:
Contributing Library: University of Illinois Urbana-Champaign
Digitizing Sponsor: University of Illinois Urbana-Champaign

View Book Page: Book Viewer
About This Book: Catalog Entry
View All Images: All Images From Book

Click here to view book online to see this illustration in context in a browseable online version of this book.

Text Appearing Before Image:
slaves are set down to Massachusetts.This return, made: by the marshal!, of the district, may be consideredas the formal evidence of the abolition of slavery in Massachusetts,especially as no person as appeared to contest the legality of thereturns. M. H. S. Coll. I, IV, 199, 204. It is scarcely proba-ble that none of these negroes and raulattoes were held as slaves,although many had been manumitted, and traffic in slaves had beenforbidden in Massachusetts in 1788.^ Vermont is credited with 17 slaves. This was the result ofa clerical error, and was officially corrected in 1870.^ The census of 1790 gave the number of free blacks as 59527.These were about equally divided between free states and slave states.The colored element at this census constituted ifg larger proportionof the population than ever after, viz., 19.3 percent. 1. Hist, of Slavery in Mass., 247. 2. Ibid, 125. 3. Ibid, 226. 4. New Eng. Hist, and Geneal. Regiater XIIX, 248. || 5. Amer. Statistical Assn Pub., 1890-91, 93.

Text Appearing After Image:
For the sake of comparison a few statistics of the number ofslaves elsewhere than in the northern colonies are given. The Lordsof Trade in 1721 reported: in South Carolina, 9000 whites and 12000 blacks;in North Carolina, 1600 inhabitants of which about one third a. 3.were blacks; in Maryland, 34796 whites, 7935 negroes; in Pennsyl-vania, 60000 whites and 5000 blacks, although others are said to haveestimated not more than half this number. In 1764, Colonel Bradstreet wrote:lam assured by persons late-ly from Illinois, that exclusively of the French Garrisons there,the Inhabitants are 600 fighting Men, have one thousand Negroes well-accustomed to the use of small arms, averse to our taking possession sr. of the country. The number of negro slaves bartered for in one yeai? ( 1768) on the coast of Africa, from Cape Blanco to Rio Congo, by the different European nations, amounts as follows: Great Britain, 53,100; British Americans, 6,300; France, 23,520; Holland, 11,300; Portugal, 1,700;

Note About Images
Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability – coloration and appearance of these illustrations may not perfectly resemble the original work.

How To Dispute Errors On Your Credit Report

How To Dispute Errors On Your Credit Report

< item type="application/x-shockwave-flash" design="size:425 px; height:355 px;" information ="// www.youtube.com/v/smbMeQZ7bZQ?color2=FBE9EC&version=3&modestbranding=1" > < param name="film" worth ="// www.youtube.com/v/smbMeQZ7bZQ?color2=FBE9EC&version=3&modestbranding=1"/ > < img alt="The best ways to Dispute Mistakes On Your Credit scores Record" src="http://free-credit-report-check.com/wp-content/uploads/2017/04/default-15.jpg"/ >

6 Steps To Dispute Credit Report Errors

number 1 take Copies of one’s credit history

anything all customers should be doing one or more times a year is tracking their particular credit rating. How previously many of us never do so unless we run into difficulty. Unless you curently have present copies see AnnualCreditReport . com and ask for your credit history from all three credit reporting agencies.

number 2 Draft a dispute page and deliver it toward credit reporting agencies

If so when you see blunders on the credit history make sure you contact the credit scoring businesses right away. This will be a significant step, dispute credit history errors ASAP, waiting could make it more challenging to get rid of, and/or trigger damage in the event that you need credit eventually.

# 3 store copies of all of the documents

whenever composing to dispute credit file errors never ever send in your initial credit file, or creditor statements you are utilizing as assistance. It is important that you keep good file on your own credit repair process, and also have all items if required in the future. Another word of advice for protection is always deliver items via registered mail. This can make sure the letter extends to all of them, and there’s a tracking number on your own records.

# 4 Contact Creditors if it is worth while

with regards to the product which an error, together with your credit file dispute consider calling the creditor properly. Many info is managed via automated systems today, and computer systems make blunders, or an employee could unintentionally miss someones SSN by one digit. Lenders should get in touch with the credit bureau to solve problems and, and make certain that the credit history error is deleted.

no. 5 know very well what occurs behind-the-scenes of a Credit Report Dispute

After a credit bureau obtains your dispute credit report error, they have about thirty days to investigate. The credit agencies will attempt to prove them is not a mistake, if this can’t be done then item must certanly be deleted. Focusing on how the credit file dispute procedure works will help with patience when you wait, and support arguments if you need to.

# 6 Contact an attorney if you need even more assistance

it is for lots more serious credit fix, and dispute situations, but you can find credit fix solicitors that will help you draft credit dispute letters which help handle your situation. In the event that you feel uncomfortable handling the method yourself, or wold like anyone to discuss your options with, consider looking for an attorney you focuses on credit report disputes.

These six steps supply a basic primer as to what it will require to repair a credit report error, and do the following and/or be mindful of throughout the procedure. Remember credit scoring agencies are for profit businesses, therefore never expect all of them to desire to assist you, sit your floor and provide promoting information and you should see things occur.

If you should be nervous or feel uneasy about handling your credit report information alone, you will find non revenue organizations in most places, including paid experts that will help you understand the details on your own credit file and help make choices about what mistakes you could/should dispute.

To learn more about self-credit restoration, reviewing your credit file, and disputing credit report mistakes visit our website at Dispute Credit Report.

How do errors get on your Credit Report?

Click here for more= http://www.youtube.com/subscription_center?add_user=sullythecreditguy

How do Errors get on your Credit Report? Many credit repair “industry experts” like to say that the credit repositories profit from having errors on credit files. The truth is the repositories have a financial incentive to have all the information correct. Watch this video to find out more and why we have a credit system that is the envy of the world.

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy
Check out the 6 steps to better credit here http://www.getloanready.com
For more free information on credit scoring check out my blog at http://www.thecreditguy.tv
Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv
Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV
Like the Facebook Page http://www.facebook.com/TheCreditGuy
Follow my Pintrest board http://www.pinterest.com/thecreditguy

All Material included in the presentation, class, video or website is protected under copy write law and the property of Hammer it Out LLC. No portion may be used without express written consent. This class, video, website contains ideas and opinions of its author. It is designed to provide knowledge in an accurate way with regard to the subject matter covered. It is to be consumed with the understanding that the author, publisher, or any affiliates are not engaged in rendering legal advice. If legal advice is required, the services of a lawyer should be sought. Although every precaution has been taken in the preparation of this information, the publisher, author and affiliate assume no responsibility for errors or omissions. No patent liability is assumed with respect to the use of the information contained herein. The author, publisher and affiliate specifically disclaim any responsibility for any liability, loss, or risk. Personal or otherwise; which in incurred in consequence, directly or indirectly, or in the use and application of any of the contents of this book, class, video or website.

How To Correct Errors On Personal Credit Rating

Credit Report Errors – What Happens When I Dispute Errors?

In this video we explain what happens “behind the scenes” when you dispute an item on your credit report.

There are all these different companies like Equifax, Experian, TransUnion, Innovis and ChoicePoint. We’re often asked, “When I make a dispute to them, what happens at that point?”

From the outside, all we see is we make a dispute to a credit bureau and usually about 30 days later we get the results of the investigation back. It will say whether the credit bureau is keeping, updating or deleting the account.

Here’s what goes on kind of behind the scenes when that dispute hits the credit bureau.
We never recommend doing it online. When you do it online it automatically gets turned into a two-digit code. That might be, “It’s not my account,” or “It was included in bankruptcy or identity theft.” If you send a letter, then somebody will read that letter and convert it into a two-digit code. Then that code is sent to the furnisher. The furnisher is asked to investigate. Normally any document you include to the credit bureau will not be sent to the furnisher.

Let me just back up a step. When you send that letter, normally all of the letter and attachments are scanned in and sent overseas to some outsource place. Then you have somebody that will read that stuff. They typically have about two or three minutes to do this.

In a lot of countries, the company that actually employs the person that’s doing the investigating will be paid about 25 cents for your dispute. Even if you have four or five items on your credit report you’re disputing, if you send it in one letter, they get paid 25 cents.

You have somebody overseas that will turn your letter and all the attachments, and you may have sent 50 pages of attachments, into a two-digit code. That’s sent electronically to the furnisher.

Somebody there at the furnisher at the creditor gets that on their computer. They have a couple of minutes to make an investigation, if we can call it an investigation. They’re normally not allowed to do research on the internet, or to call you or call anybody else. They look at that and then they send a response back to the credit bureau. That generates a form that is sent out to you.

The credit bureaus really are just trying to take all your information and narrow it down to an electronic code. They say, “That’s the extent of our investigation.” They’ll just repeat back whatever the furnisher or creditor tells them to do. Remember, that’s their customer.

You can also read our FAQ on credit report errors and the Fair Credit Reporting Act here — http://www.alabamaconsumer.com/CM/Custom/FAQs-about-Fair-Credit-Reporting.asp

If you have any questions about what we’ve talked about in this video, 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

Home

“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.”