Credit Error It Pays
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Site Mobile Navigation Advertisement Supported by Credit Scores Credit Error? It Pays to Be on V.I.P. List By dispute credit report equifax TARA SIEGEL BERNARDMAY 14, 2011 Continue reading the main story Share This Page Continue reading the main story Photo Judy Johnson says she has had years of trouble because
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credit bureaus keep mixing up her records with Judith Johnson's. Credit James Patterson for The New York Times The credit rating bureaus, whose reports influence everything from credit cards to mortgages to job offers, have a two-tiered system for resolving errors — one for the rich, the well-connected, the well-known and the powerful, and the other for everyone how to dispute credit report and win else.The three major agencies, Equifax, Experian and TransUnion, keep a V.I.P. list of sorts, according to consumer lawyers and legal documents, consisting of celebrities, politicians, judges and other influential people. Those on the list — and they may not even realize they are on it — get special help from workers in the United States in fixing mistakes on their credit reports. Any errors are usually corrected immediately, one lawyer said.For everyone else, disputes are herded into a largely automated system. Their complaints are often electronically ferried to a subcontractor overseas, where a worker spends, on average, about two minutes figuring out the gist of the matter, boiling it down to a one-to-three-digit computer code that signifies the problem — “account not his/hers,” for example — and sending a dispute form to the creditor to investigate. Many times, consumer advocates say, the investigation translates to a perfunctory check of its records.“The legal responsibility of the credit reporting agencies and of the creditors is well established,” said Leonard Bennett, a consumer lawyer in Newport New
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Truly Free Credit Repo... Your Source for a Truly Free Credit Repo... Your credit report contains information about where you live, how you pay your bills, https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports and whether you’ve been sued or arrested, or have filed for bankruptcy. http://www.spurstalk.com/forums/showthread.php?t=179766 Credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the credit report files of the nation’s credit reporting companies.Some financial advisors and consumer advocates suggest that you review your credit report periodically. Why?Because the information it contains affects whether you can get a loan — and how much you will have to pay to borrow money.To make sure the information is accurate, complete, and up-to-date before you apply for a loan dispute credit report for a major purchase like a house or car, buy insurance, or apply for a job.To help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.How to Order Your Free ReportAn amendment to the FCRA requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.The three nationwide credit reporting companies have set up one website, toll-free telephone number, and mailing address through which you can order your free annual report. To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to:Annual Credit Rep
International Forum Live Search Contact Chat Room Advanced Search Forum More Talk Political Forum Credit Error? It Pays to Be on V.I.P. List If this is your first visit, be sure to check out the FAQ by clicking the link above. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Results 1 to 5 of 5 Thread Tools Show Printable Version Subscribe to this Thread… 05-15-2011 #1 ElNono View Profile View Forum Posts 🏆🏆🏆🏆🏆 My Team San Antonio Spurs Post Count 111,424 Credit Error? It Pays to Be on V.I.P. List The credit rating bureaus, whose reports influence everything from credit cards to mortgages to job offers, have a two-tiered system for resolving errors one for the rich, the well-connected, the well-known and the powerful, and the other for everyone else. The three major agencies, Equifax, Experian and TransUnion, keep a V.I.P. list of sorts, according to consumer lawyers and legal documents, consisting of celebrities, politicians, judges and other influential people. Those on the list and they may not even realize they are on it get special help from workers in the United States in fixing mistakes on their credit reports. Any errors are usually corrected immediately, one lawyer said. For everyone else, disputes are herded into a largely automated system. Their complaints are often electronically ferried to a subcontractor overseas, where a worker spends, on average, about two minutes figuring out the gist of the matter, boiling it down to a one-to-three-digit computer code that signifies the problem account not his/hers, for example and sending a dispute form to the creditor to investigate. Many times, consumer advocates say, the investigation translates to a perfunctory check of its records. Full story here _____________________________ Reply With Quote 05-15-2011 #2 TDMVPDPOY View Profile View Forum Posts Spur-taaaa My Team San Antonio Spurs Post Count 37,883 Reply With Quote 05-15-2011 #3 boutons_deux View Profile View Forum Posts Believe. My Team San Antonio Spurs Post Count 49,344 That last sentence is true: credit reporting bureaus have very little incentive to keep their records straight. If there's a problem, it's up to you to notice it and it's up to you to beg them to fix it. It's also up to you to prove that their information is wrong. The credit reporting industry has probably done more to promot