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Getting Collections Accounts Removed Off Your Credit Report

Getting Collections records Removed Off Your credit history

I effectively got 4/5 collections accounts eliminated totally away from my credit report in less than 4 times by using these measures. Kindly subscribe!
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Negative Credit – How To Force Credit Bureaus to Remove Negative Credit From Your Credit Report

http://NegativeCredit.org/negative-credit.htm | Free Report Reveals How Negative Credit Items Can Be Removed From Your Credit Report even if they are accurate negative credit items. There are a lot of credit repair companies who claim they know how to remove negative credit but the fact is they can’t even get inaccurate negative credit removed let alone remove negative credit items that are accurate.

Find out how you can force the credit bureaus to remove negative credit items from your credit report. If you have Collections, Late Payments, Charge offs, Liens,
Bankruptcies, Repossessions, Foreclosures even Judgments then Go to: http://RemoveNegativeCredit.net/negative-credit.htm Learn how to remove all negative credit items and restore your credit score to 740+.
Subscribe to our Credit Dispute Tools channel for more helpful tools.

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.

How I Dispute Credit Report Errors – Part 1

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Equifax Credit Report Primer

from the debt record. In some cases the information included in the report can be tough for you to understand.Equifax validates that you know, to the point, exactly what is occurring with your insolvency rating or various other ratings in the report. Besides having the information, you will also have a clear understanding of what each component of report is and also how it influences your credit report score.Equifax is popular due to the fact that they give something known as an” Interactive Score Simulator”in order to assist customers understand their credit history. With this tool, you have the ability to see how an offered action may impact your credit rating. From there, you could start a plan to obtain your credit scores back in order.You simply may require a safe bank card or choosing to open a high rate of interest charge card account might make it possible for you to rebuild your credit history.

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How To Read A Credit Report – A Basic Guide

Kieran was looking to get a new car and stopped by a Honda dealer. She really wanted a particular Accord that they had. But was very upset when she learned they would not approve her for a loan. She was told it was due to a couple of things on her credit report showing unpaid and defaulted. Just recently, she happened to get a copy of her credit report for another matter; however she really didn’t understand it. But she knew those accounts were already paid. Later that day she called the credit bureaus and faxed in the receipts. However the Honda dealer said everyone has to wait 90 days to re-apply. The Accord she really wanted sold. This situation could have been completely avoided and Kieran would have gotten that Accord if she only understood what the credit report said. Then she would have known to get it corrected and update it, BEFORE she ever applied for that car loan.

And that is the reason for this article. You will be given a basic overview of consumer credit reports. This article will be an easy guide on learning how to read and understand a credit report.

There are only 3 major credit bureaus in America. Experian (use to be TRW), Equifax, and Trans Union. Any other bureau that may be in your local area is in some way affiliated with one of these three major bureaus. Any person, or company, that pulls your credit is getting it either directly or indirectly from one of these three bureaus. These 3 are the only credit bureaus that matter in the U.S.

So now the question… How do I read my credit report?

It is not surprising to hear that, Experian, Equifax, and Trans Union all do their reports differently. But overall it really doesn’t matter because all credit reports are basically divided into four sections: Your Identifying Information, Your Credit History, Your Public Records, and the Inquiries which have been done on you.

1) Identity Information: This Identity Information section tells anyone reading the credit report exactly who you are. Name, date of birth, and social security number. Names may be listed more than once to reflect each way it has been previously spelled. If you applied for credit before and someone misspelled your name on the inquiry, it will be on your credit report indefinitely. Then if you are a female you will see the maiden last name and the married last name, also if you were divorced then went back to the maiden last name, if you marred again after that, etc. There is a possibility that you will see a lot of variations of your name. The important thing is that you review it closely to look for anything you do not recognize.

Additional information in this section will be your current address, previous addresses with telephone numbers. Plus driver’s license number, the employer, all past employers, the spouse name, etc. Any info that helps to indentify you.

2) Credit History: This is also sometimes called the accounts list, or your trade lines. This section will list your current and active accounts as well as any credit you have had in the past that was reported to the credit bureau.

In general, this section is going to list everything in the past 7 years. Most agree that the credit bureaus computers automatically delete anything that has “the date of last activity” that exceeds 7 years. For example if you open a account at Sears in June 1995 and made payments every month, then got delinquent and made your last payment on March 2004. Then March 2004 is the “date of last activity” and when the 7 years will start counting down. Then, say you want to try and fix your credit and sent them a payment in Oct 2007. The 7 years will start all over again from Oct 2007.

Each account listed will include the name of the creditor and the account number. The Credit History section will also include:

* Date account was opened * If the account is in your name only or if there is a co-signer * Total amount of the loan, which is listed as the high credit limit, or highest amount on the credit card * Existing balance as of date of credit report * The fixed payments each month for loans, or the minimum due each month for credit cards * The status as of the date of the credit report (open, inactive, closed, paid, etc.) * How have the payments been made on the account

How well you paid on the accounts is one of the main things that everyone checking your credit is looking at. It is reflected in a two part code.

The first part of the code is a letter that will either be an R or a I. The I stands for installment or fixed loan, these are set loans with a set payment amount, like car loans, mortgages, student loans, etc. And R stands for revolving which are mainly credit cards, department store cards, or line of credit, etc.

The second part is a number from 1 to 9. The 1 indicates that there have been no delinquencies and the account is current and paid on time. The 9 indicates numerous delinquencies, missed payments, partial payments, etc. Obviously 1 is the best, then 9 is the worst, and then there’s all the stages in between. Bottom line, anything other than a 1 is not looked at too favorably.

The codes are not difficult to understand once they are explained. People want to see I1 and R1. However they frequently create questions. Experian has started to insert plain language description like… never pays late… typically 30 days late… defaulted… etc.

3) Public Records: You do not want to see anything in this section. Only negative stuff that are the resort of court actions are listed in this section. Judgments, wage garnishments, bankruptcies, tax liens, etc. Something listed in this section will bring down your credit faster that anything else.

4) Inquires: Just as the name says, this section contains a list of companies that have requested to pull your credit report.

There are two types of credit inquires. Soft inquires are from companies who want to send out promotional information to a group, or either your current creditors monitoring your account. Then there are Hard inquiries which are the ones that you made happen by applying for credit somewhere like a loan, car financing, credit card, etc.

Most people are overly concern about inquires having a negative impact on their credit. It is true but it usually takes an awful lot of inquires before it will affect you. There is a certain amount that is just expected and considered normal. And when you want to buy something like a car, or a home, it is expected that you will shop around, therefore two or more of these type inquires in a 14 day period counts as just one.

As stated earlier, there are many credit companies who all get information either directly, or indirectly, from one of the main 3 credit bureaus. Then they format their credit reports in many different ways, and list things in different order. However they all will contain these 4 basic sections.

It is extremely important to know how to read your credit report. And knowing exactly what is on it is very important.

Many in the credit industry estimate that as many as 80% of all credit reports contain some kind of misinformation, mistake, or have not been updated.

If you do see an error on your report. You then need to speak to each of the bureaus, Trans Union, Experian and Equifax. You can fax directly to them, if you have acceptable documentation like a receipt or invoice. If not the creditors will have to be contacted and will have 30 days to respond.

We hope that this has been a benefit to you. Our goal was to provide the basic information that will teach anyone how to read and interpret a credit report. This is the only way to determine if it is correct, or if you need to have it updated. When you are planning to finance a car, buy a home, or applying for any kind of credit, you need to know what is on your credit report before the people making the decisions see it. Remember that when you request your own credit report it is never counts as an inquiry.

For over 10 years Consumers Info USA has been connecting people with the online services they need to help them live better. Go Now for more information on how to check your credit report and a link to order your online credit report

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Fix My Credit – How To Erase Bad Credit Items On Your Credit Report

If you are wanting to fix your credit score then you need to follow two major steps. The first step is to remove negative listings on your credit report and the second step is to build positive reporting accounts on your report.

How To Erase Bad Credit Items

The Fair Credit Reporting Act is a piece of federal law that gives every citizen the right to dispute any item they feel is incorrect on their credit report. This law is what entitles you to potentially fix credit information and erase bad credit on your credit file.

In order to dispute an item on your credit report you first need to know what information is actually on their and damaging your credit rating. Additionally you need to know you can only file a dispute for items that are on a specific credit bureaus credit report. In other words you can only dispute items that are on your Equifax credit report with the Equifax credit bureau.

You can get a copy of your credit reports from all 3 major bureau, for free once a year. To use this visit annual credit report and you can request your reports there for free. Once you get your reports you need to review them in detail and you’ll probably be surprised at how different each credit report is.

The reason you’ll have different information on each one of your credit reports is because not all lenders or creditors will report to all 3 credit bureaus. A quick tip if you dispute an item that is not reported on that particular bureaus credit report they will blacklist you and ignore any future dispute attempts on your behalf.

For example if you dispute a collection item with Transunion but that collection item is not on your Transunion credit report, then from our understanding Transunion will ignore any disputes you make in the future for any item on your Transunion credit report. You can also hire a professional credit repair firm to perform the credit dispute process on your behalf but it is not required.

Once a credit bureau gets your dispute they are going to investigate the item by contacting the debt collector or lender and asking them to verify the account and the relevant information. If the item is not verified then according to the Fair Credit Reporting Act it must be removed from your credit report.

If you have an item that comes back from a bureau investigation and it is verified this doesn’t mean you have to just live with the bad credit. In fact many collection agencies will settle an account with you and in exchange for your settlement payment they will stop reporting your account information to the credit bureaus and this way you are still able to erase bad credit from your report.

You are going to experience some difficulty getting the credit bureaus to team your dispute valid and investigate it. This unfortunately is the way the credit bureaus operate and it is a result of profit motives. The credit bureaus are spending money when they investigate consumer disputes.

The only reason the credit bureaus do conduct investigations is to comply with the Fair Credit Reporting Act, and even that is debatable. The credit bureaus have been fined time and time again by the FTC for not complying with this law and investigating consumer disputes. If you experience any trouble we strongly encourage you to consider hiring a specialist because you don’t have to just live with a bad credit report.

Positive Reporting Accounts

You can build positive items on your credit report by paying your current monthly bills on time and you may benefit from opening a new credit line. A new credit line as a unsecured credit card, or installment loan with responsible use will help you build positive items on your credit.

For more about how to fix my credit and how you can erase bad credit items on your credit report call 1-800-298-4297 for a free credit report summary and analysis or visit us.

Important Changes To Credit Report Dispute Process – Credit Card Insider

These days’s question is: money had been recently achieved between credit scoring agencies and NY lawyer General’s workplace, bringing some important modifications to how conflicts and health choices are managed.
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The dispute quality process for credit file has been hard for sometime, with way too much power going to the financial institutions and collection agencies. New legislation changes that, giving credit reporting companies more capacity to make modifications. Health choices are going to be addressed in a different way and, coming with a grace period alongside advantages to the consumer.

Each week, John Ulzheimer responses COMPLETE credit concerns. Email united states, call us, or ask on live talk, and we may answr fully your concern on YouTube!

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Tips and Insights Regarding Credit Report Repair

After you have your individual credit report and completely understand it you might determine that there is a need to execute some credit report repair works. Credit report fix is oftentimes required; in only exactly the same way as other things usually requires fix after a particular period of use. There are two techniques to finish a credit report restoration. The first being free credit history restoration and 2nd becoming more pricey. According to the level of credit report restoration you’ll want to do, the actual quantity of time essential to repair it plus the details that it’ll require you could find that you don’t have any option about which credit file restoration approach to go after.

According to the Fair Credit Reporting Act, consumers can dispute blunders in their credit history free-of-charge. It may be some time consuming to pull your report, document the error, kind up a letter and deliver it in, a lot of people employ credit repair companies doing the bland benefit them. There isn’t any genuine explanation, aside from the problem of time, to put on cash for work that you could effortlessly do your self.

Credit report restoration organizations need an installment payment at the beginning and a monthly competitive charge after that. And in addition, Equifax, Experian and Trans Union don’t approve of credit report fix organizations. Performing on your part, the credit history fix service takes your credit report, and using the reasonable credit rating work and in the pipeline methods, dispute any unfavorable product in your credit report record which you have actually selected. Some organizations could even offer an upgraded service to continue keeping track of your reports for other negative damage to come. This option of credit file fix is far more high priced it is not as time intensive or nerve racking as filing and dealing with the disputes yourself.

Don’t fall for the adverts that claim an agency can erase bad credit from your own report. The only thing for legal reasons that may be altered on a credit report is inaccurate information. When you yourself have had a bankruptcy, the only thing that will lawfully take it off from your credit report is time. Credit restoration agencies fee anywhere from $ 400 to $ 2000 with regards to their services while the the reality is they are not doing whatever you can’t do for yourself. For $ 30 you can easily acquire a credit report that listings your history with three credit bureaus. Other financial investment in cleaning your credit file is in the worth of the time it requires.

The next thing towards credit restoration should report incorrect information towards the credit bureau. It is legal to attempt to fix your credit score on your own by having untrue, out-dated or incorrect information from your credit file. A legitimate credit restoration company with legal professionals whom specialize in credit issues can request that harming information be taken off your credit history.

Discover ways to properly fix your credit by obtaining a free content of the credit report from http://credit-free-report-online.info – a popular credit report web site that prrovides assistance with credit conflicts.