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WebNetworksLIVE.com What Exactly IS a FICO Score?
Lenders depend on them every
day, but do you know what it is about a FICO score that really matters?

WebNetworksLIVE.com What Does a FICO SCORE Consist Of?

35% - Payment History
30% - Amounts Owed
15% - Length of Credit History
10% - New Credit
10% - Types of Credit

WebNetworksLIVE.com How Do I IMPROVE My Credit Score?
You have a few bad marks on
your credit report? Here are some tips on how to help improve your FICO score.

WebNetworksLIVE.com What If I Had to File For Bankruptcy?
Bankruptcy on your credit report? Here are some tips on how to
help improve your FICO score
and get back on your feet after a bankruptcy.

WebNetworksLIVE.com The Benefits of a FICO Score
So, you think FICO scores are
only a problem one has to deal
with when applying for loans?
There are many benefits to FICO scores that you should know of.

WebNetworksLIVE.com What a FICO Score Does NOT Consider
Credit reports contain a LOT of information about us. But, there
are many things that they
CANNOT report to lenders,
employers and more.

WebNetworksLIVE.com How Do I Correct Any
ERRORS Found On My Credit Report?

Sometimes companies can make mistakes which can be reflected
on your credit report. Here are
some tips on how to fix
credit report mistakes.

WebNetworksLIVE.com About Free Credit Reports
Some information about what
types of free credit reports are available to individuals.

WebNetworksLIVE.com Do Know Your Credit RIGHTS?
There are many things credit
reports could possibly report,
but our own individual rights can block them from being violated
in order to present people in the fairest manner.

WebNetworksLIVE.com What You Must Know About IDENTITY THEFT
Identity theft happens every day. Learn dome tips on how to
protect yourself.

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How Do I Fix Any ERRORS Found On My Credit Report?

Unfortunately, in some cases, some information of credit reports can be inaccurate or erroneous. However, there are ways in which an individual who has a dispute about an item on their credit report can report the inaccuracies properly.

The first step in disputing an item on your credit report would be to contact your consumer reporting company in writing about the dispute. In this letter, you should include only copies, not original documents, in order to provide the necessary evidence that the report was indeed inaccurate as well as your accurate information such as your complete name, your address, an explanation about your dispute along with a copy of the report that is in question with all of the disputed items circled for the reviewers, and what you would regard as the best correction (i.e. deletion of the disputed items).

When you mail your dispute letter to the consumer reporting company, make sure you send it via “certified mail” in order to make sure that there is evidence that the dispute had been received. Be sure to keep copies of all letters and receipts on file in case a dispute occurs on the receiving end.
Once the letter is received by the consumer reporting company, they will begin to investigate the item. This process normally begins within 30 days. During the investigation of the dispute, the reporting company must forward all information and documents regarding your dispute to the organization that is in question. The disputed organization then, in turn, has to perform an investigation of your dispute in their own records and report back to the reporting company with the results.

If the information is found to indeed be inaccurate, then the organization who created the error must inform all three consumer reporting companies of this error so all of your information is corrected in all of the reporting companies’ records.
After the results are in and the investigation of your dispute is completed, the reporting company must send you a written statement on the results along with a free updated credit report with any changes that had occurred since the recorded dispute.

If your dispute is not resolved and the organization that provided the information deemed the information as accurate, usually for a fee, you may also request that a letter be sent out to all who have received your credit report about the dispute as well as a recorded statement that can be placed in your credit file for future credit reports.

Get Your Free Experian Credit Report and Score Now!

Your credit plays a major role in your everyday life. More now than ever before.

Free Credit Score & Report - ExperianWebNetworksLIVE.com Having good credit affects the way you will be able to make purchases, obtain financing, insurance and more. And keeping track of your credit score from one of the three reporting companies (Experian, Equifax and TransUnion) is imperitive.

WebNetworksLIVE.com These days, with the growing demand for good credit from lenders, it is important not only to manage your credit closely in order to get the things you want most in life, but also to keep an eye on others' potential fraudulent activities using YOUR credit. Get your Free Credit Report here.

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