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Follow on Google News | Credit Clean Up: Dispute Incorrect Information from your Credit ReportWhen you are working to clean up your credit the job can seem overwhelming and too much to handle.
By: BestCreditRepairAgencies Hector Milla Editor of the "Best Credit Repair Agencies" website -- http://www.BestCreditRepairAgencies.com -- pointed out; “…There are three major credit reporting agencies Experian, Equifax and TransUnion. They all have a web site with ordering instructions on how to pay for and download or print your credit report. There are also sites that offer all three of the reports at once and other services as well. Be careful when considering these sites as they can be a little shady and want you to join as a member to receive their services or special prices. It’s best to stick with ordering and printing your reports straight from the source. Once you have your credit reports take a few minutes to print each one and staple them together to keep them from getting mixed up. While, you will be going through them separately, you will want to compare the information between them as well to check for discrepancies. Once you have everything in order, find a comfortable place you can concentrate with a highlighter and a pen to mark things of question you find…” Generally, the credit report is separated into different categories starting with your personal information, residential information and employment information. Though the focus of a credit report is one the accounts, you need to look through these areas to check for name, address and employment errors because these could be a sign of identity theft. Next, move on to the accounts, collections, judgments and other sections you need to look for accounts that you have paid that are not marked as paid. Incorrect balances, accounts and other information. Not only do you need to mark the items you feel are incorrect, but then you will need to go through your financial records to find receipts and other levels of proof to show the information is incorrect. This is your burden to prove the information on the reports are not correct and you may need to contact the companies the accounts are through to try and find out their side of it too, in order to get the information changed to reflect the right information. “…At the end of all credit reports is the dispute information and procedures that each credit reporting agency uses. Make sure to following them down to the exact letter in order to keep your claim from getting thrown out. The creditors have a time frame to look over the dispute and have up to ninety days to make the change and then the credit reporting agency can make the change or take action for you. It does take some time to get wrong information corrected, but the time is well worth it and you could be saving your self money and interest rates in the future…” H. Milla added. Further information about how to secure a trusted and reputable credit repair agency by visiting; http://www.BestCreditRepairAgencies.com End
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