Consumers may
dispute inaccurate items with the source of the information.
The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to
dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.
You are entitled to
dispute inaccurate items on your report, and have them removed so that your credit report accurately reflects your credit history.
Nikki helped
me dispute inaccurate items on my report, file proper police reports, put a fraud alert on my reports and advised me on ways to build positive credit.
Disputing inaccurate items on your credit report is a legal right granted to you by the Fair Credit Reporting Act (FCRA), which protects your right to fair and accurate credit reports.
Disputing inaccurate items can raise your credit score if those items are deleted or corrected.
Not exact matches
If your credit report has
inaccurate information, the consumer reporting company is required to investigate
items that you
dispute.
To provide our services for you pursuant to the Program you have selected, we require your permission to draft, sign, and send letters to creditors and the credit bureaus on your behalf and / or electronically process
disputes on your behalf specifically addressing the
items on your credit report that you identify as
inaccurate, misleading or unverifiable.
We will prepare and submit an initial round of
dispute letters for
items appearing on your credit reports, which you indicate are either
inaccurate, incomplete, obsolete or unverifiable as per the Fair Credit Reporting Act;
The credit repair service will notify the bureau that holds the report with the
disputed item on your behalf; in some instances, the
inaccurate item will be removed in just weeks, never longer than sixty days after the bureau investigates your accusation.
Once these
dispute results are received and reviewed by your Credit Repair Consultant we
dispute any remaining
inaccurate items a second time.
Each of the Credit Reporting Bureaus has established an online process for facilitating the
dispute process — that is the recommended way to file a
dispute about an
item on your credit report that you feel is
inaccurate.
If a consumer finds
inaccurate information on their credit report, the Fair Credit Reporting Act provides a person with the right to
dispute that
item and have it removed.
Because of the Fair Credit Reporting Act, you have the right to
dispute and delete any
items on your credit report that you feel are
inaccurate, untimely, misleading, biased, incomplete or unverified.
If a consumer believes an
item of information on their credit report is
inaccurate or incomplete, they may challenge, or
dispute the
item.
There also may be something
inaccurate with the negative
item that can be
disputed which may result in a correction of deletion of the listing.
This
item [identify
item (s)
disputed by type of
item, such as credit account, judgment, etc., and your account number or another method for the information provider to locate your account] is [
inaccurate or incomplete] because [describe what is
inaccurate or incomplete and why].
If there are any remaining negative
inaccurate or unverifiable
items that needs addressed, then we will repeat the
dispute cycle at timed intervals.
If you find incomplete or
inaccurate information on a credit report, you can
dispute the
items in question.
Your Personal Credit Coach will
dispute negative,
inaccurate items on your credit reports on your behalf, personally help you to rebuild your credit scores, determine which debts to pay off (includes 1 Budgeting Consultation if needed) and MORE!
*
Dispute items that are
inaccurate.
Any
items that you believe are
inaccurate should be
disputed with the bureau that reported it.
We
dispute inaccurate, misleading, or unverifiable
items on your credit report that might be harming your score.
Consumers have a better chance at getting
inaccurate items deleted from credit report when
disputes are based on factual errors.
Right Track Credit Repair can help you
dispute incomplete,
inaccurate, obsolete, and erroneous negative
items from your credit report including, but not limited to, bankruptcies, public records, charge - offs, liens, foreclosures, repossessions, lawsuits, late payments, collections, inquiries, and other derogatory accounts.
Thankfully, the law gives you the right to
dispute any negative
items on your credit history that you feel may be
inaccurate, untimely, misleading or unverifiable (questionable
items).
Through this law, consumers can
dispute items on their credit report that they feel are
inaccurate, unfair, or outdated.
A2: Clean up your credit history by
disputing negative, outdated or
inaccurate items on your report (s); For fast action call (877) 250-4692 or online at CleanUpReports.com.
The Fair Credit Reporting Act (FCRA) gives you the right to fair and accurate credit reports, which comes with the ability to
dispute credit report
items that are fraudulent,
inaccurate, outdated, or unsubstantiated (i.e., the creditor can't prove the debt belongs to you).
Our firm offers free case reviews at no cost to you to help protect your consumer rights anytime you: • Receive contact from a creditor or debt collector to collect a debt; • Receive unwanted computerized robocalls or texts to your cell phone (even after you've told them to stop); • Notice
inaccurate information on your credit report (even after you
disputed with the credit bureaus); • Obtain a loan, lease, or purchase an
item on credit; • Enter into an autopay arrangement with a creditor (i.e., gym membership, car loan, etc.); • Purchase a lemon vehicle or other consumer product; • Need help settling debts for less than the full balance; or, • Have any other consumer issue you would like us to look into at no cost to you.
With our credit law expertise and innovative electronic
disputing system, we work on your behalf
disputing your
inaccurate credit report
items.
This
item (identify
item (s)
disputed by name of source, such as creditors or tax court, and identify type of
item, such as credit account, judgment, etc.) is (
inaccurate or incomplete) because (describe what is
inaccurate or incomplete and why).
If continuing to report as A, which of course would be
inaccurate, were those
items then
disputed with the banks and / or the bureaus?