5 Steps to Fixing Errors on Your Credit Score
Even if you think your credit report is accurate and up-to-date, the truth is that credit errors are more common than most people realize. It’s estimated that 1 in 20 people have credit errors – are you one of those people?
The problem is that these credit errors can take a toll on your credit score, which makes it hard to get the loans you need when buying a car or house. Plus, poor credit can make it a challenge if you need a new credit card or you are applying for a rental lease. If you want to have flexibility with your finances, then it is essential that you are proactive in eliminating these errors from your credit report.
How to Fix Errors on Your Credit Report
Follow these steps if you are ready to eliminate credit report issues, which will improve your overall credit score:
1. Check Your Credit Reports: You don’t know where to start without having a clear understanding of the current condition of your credit reports. Look at reports from the main reporting agencies: Experian, Transunion, and Equifax. These reports will show you open lines of credit and any other essential details that are impacting your credit score.
2. Evidence and Documentation: If an error is identified, then you need to gather the appropriate documentation that proves why the listing is incorrect. This documentation might include email correspondence, account statements, or any other proof of payment. This information can be included in your dispute to show why the error should be removed.
3. File a Dispute: Now that the error is identified and you have the appropriate documentation, it’s time to file a dispute. These disputes need to be in writing, with clear details about the problem – as well as evidence to show why the listing is wrong.
4. Ongoing Documentation: Make sure to keep copies of the disputes, especially because there are times when multiple disputes need to be filed to correct the listing. Maintain an organized system of all correspondence related to the credit report and disputes. This documentation is important, especially if your legal rights have been violated and you need assistance from a credit report lawyer.
5. Talk to an Experienced Lawyer: Don’t underestimate the quality services available from an experienced credit report lawyer. In fact, it’s easy to see that hiring the right lawyer should be at the top of your priority list. When you are working with a consumer protection provider, you don’t have to carry the stress and burden by yourself. You deserve to have a team that will fight for your rights and ensure the accuracy of your credit report.
While credit repair may appear to be a DIY project, I assure you that its not. As lawyers, we see issues that lay people and even credit repair company may not catch.
Call us today for a free, no obligation consultation at Credit Repair Lawyers of America. You can call me, Attorney Gary Nitzkin at (888) 293-2882. Or you can email me at [email protected]
Address: 22142 W Nine Mile Rd, Southfield, MI 48033