|Credit Score Reports (Home)|
|Our Community Our Reports Shop Receive our Free Newsletter Ask My Credit Score Network!|
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?
35% - Payment History
30% - Amounts Owed
15% - Length of Credit History
10% - New Credit
10% - Types of Credit
How Do I IMPROVE My Credit Score? Here are some tips on how to help improve your FICO score.
What If I Had to File For Bankruptcy? Bankruptcy on your credit report? Tips on how to help improve your FICO score.
The Benefits of a FICO Score There are many benefits to FICO scores that you should know of.
What a FICO Score Does NOT Consider Credit reports contain a LOT of information about us.
How Do I Correct Any ERRORS Found On My Credit Report? Sometimes companies can make mistakes which can be reflected on your credit report.
About Free Credit Reports Some information about what types of free credit reports are available to individuals.
Do Know Your Credit RIGHTS? There are many things credit reports could possibly report, but we have rights.
What You Must Know About IDENTITY THEFT Identity theft happens every day. Learn dome tips on how to protect yourself.
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.
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.
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.
This website and content is CopyrightMy Credit Score Network and MyCreditScoreNetwork.com All Rights Reserved.
FICO | FICO Credit | Credit Score | Credit Report | FICO Scores and Your Rights | Bankruptcy and Credit Report | FreeCreditReport | Improving Credit Score | FICO Score | What Is Included in FICO Credit Score | Experian | Identity Theft and Credit | What is Not Included in Credit Report | Benefits of FICO Credit Score