Should I Dispute Inaccurate Information?
The bottom line is �absolutely! Why? Because your credit report and credit score
are affected by what is reported on your credit report. According to the Fair Credit
Reporting Act (FCRA) of 1970, credit agencies have a responsibility to correct or
remove false information from consumer credit reports. In fact, with the advent
of the internet, they have made it easy enough now, whereby you can dispute anything
on your credit report right on the company�s web site.
The companies we are talking about again are the three major credit bureaus, Equifax,
Experian, and TransUnion. These companies are notorious for making mistakes on peoples
credit reports as it is easier for them to report incorrect information, than to
go through all the hoops to verify whether or not the information they are reporting
is accurate or not. Since complaints against these three companies have been overwhelming
over the past 10 years or soon, the bureaus have now taken a pro-active approach
to helping individuals and small businesses with ensuring the information or your
report is as accurate as possible. However, it has to start with you. If you are
not pro-active, neither will they be.
Here is why we are the Preferred Debt Relief and Debt Reduction service in America
- You can become free of credit card debt once and for all.
- You can receive immediate debt relief and no more creditor phone calls.
- We negotiate and settle your debt on your behalf.
- 15 years of helping hundreds and hundreds of clients across America.
Please call us toll free at 800-890-6658 for a Free Debt Relief-Debt Reduction Consultation.
Or use our Debt Relief Getting Started form.
At Nationwide Debt Reduction, we have seen our clients have items removed from their
credit report that they had no idea was being reported about them. On top of that,
the FBI has reported that identity theft is now one of the fastest growing crimes
in America today. Therefore, we feel it is crucial that you should review your credit
reports on a regular basis, report any inaccurate information to the bureau that
is reporting it, and let them investigate your claim.
Some clients at our debt relief company have gone so far as to say, well my debt
is not showing up on my credit report, does that mean I do not have to pay it any
longer? While it is true that �older� debt could have been remove inadvertently
from a credit report, that fact alone does not excuse the borrower from paying back
on the debt that they owe.
That is why we suggest a debt help company such as Nationwide Debt Reduction, who
can help guide you through these questions, and ensure you are doing everything
in your power to make sure your credit reports are as accurate as possible.
Finally, documentation is the key, especially with older debt, or debt with smaller
businesses, as the bureaus must respond in a timely fashion to your requests for
inaccuracies. The good news for you is, if the credit bureaus can no longer find
your documentation, that bureau must change the disputed information on your report,
or remove it altogether.
For a free no obligation quote or help with your credit debt problems, call us toll
free. A trained professional is standing by to help.
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