Raising Credit Score by Fixing Credit Report Errors.

Many people believe the credit bureaus are these high and mighty agencies who never make a mistake and are completely unapproachable.

Truth of the matter is they are very much human, are prone to making mistakes and are strongly regulated by a powerful Government organization called the Federal Trade Commission (FTC) who have at their disposal a Federal law called the Fair Credit Reporting Act (FCRA).

The FTC is a very active organization who strictly enforces the FCRA. As a result the Credit Reporting Agencies (CRAs) are diligent in following the rules.

One part of the FCRA states if you submit a complaint about an error on your credit report the applicable CRA has 30 days to investigate and act on the complaint.

Some studies have shown as high as 79% of credit reports contain some form of error.

It seems tragic to me that so many people are suffering the financial affects of a lower credit score because of an easily corrected error.

If you haven’t done so recently…

1. Click here now to get your free credit score
2. Review it carefully
3. Make a list of any error regardless how small
4. Use the sample letter below to send a dispute letter to any of the applicable CRAs whose report contains an error.

Personalize the following letter and be sure to clearly explain each error, add or attach any supporting documentation, and be sure to keep a copy of all supporting information and the letter itself along with the date you sent it.

Raising Credit Score by Fixing Credit Report Errors Using the Sample Letter….

Date of letter

Your full name
Your mailing address
City, state and zip code

Name of Credit Reporting Agency [Equifax, Experian or Trans Union]
CRA Address
City, state and zip code

Dear Sir or Madam:

Upon reviewing my credit report received from your agency, I am formally disputing the following information I believe to be in error. I have listed each item I found incorrect as well as how I feel it should be corrected.

[Full Account name]  [Account number]  [Proper Information to be reported / Inaccurate information and why it's not correct*]

[Full Account name]  [Account number]  [Proper Information to be reported / Inaccurate information and why it's not correct*]

Please find enclosed all supporting documents.

Please forward supporting documentation and pertinent information to my dispute to the applicable credit furnishers pursuant to the FCRA.

Sincerely,

(sign here)

Your full name
Your Social Security Number (SSN)
Your Date of Birth

TransUnion LLC

Consumer Discosure Center
P.O. Box 2000
Chester, PA 19022-2000
(800) 916-8800

Equifax Information Services, LLC

Complaint Department
P.O. Box 740256
Atlanta, GA 30374
(888) 873-5420

Experian

Recommended Reading

• Free Credit Score
• Minimum Credit Score for FHA Loan – Will Your Credit Score Qualify?
• Minimum Credit Score for Mortgage – Will Your Credit Score Get You Approved?
• Get Your Free Credit Score Now