Credit reporting errors are a common problem for many consumers. If you're struggling with inaccuracies on your credit report, you may not know what to do or how to clear them up. Calling the credit bureau or the creditor can only get you just so far unless you know your rights and the law. Here are a few things you can do to help resolve these types of issues:
File A Written Dispute
The first thing you should do when you spot an inaccurate item or payment on your credit report is to file a written dispute with the creditor. The creditor is legally obligated to provide you with the documentation of the debt to support what's been reported to the credit bureaus. While there are many dispute templates available online, you are better off to write a dispute letter yourself so that you can personalize it for the creditor. State that you don't believe that the information is accurate and ask for proof.
Notify The Credit Bureau
In addition to filing the dispute with the creditor, you should also notify the credit bureau of the discrepancy. Each credit bureau has their own contact information and dispute reporting procedures. Follow the established procedures for each of the credit bureaus that are reporting the inaccurate information.
Be Concise And Consistent In Your Communication
Anytime a creditor or collector calls you, make sure that you are consistent in your responses. Be concise and don't try to give them any kind of dramatic explanation for why you are unable to pay the debt or why it is inaccurate. Just tell them that you've filed a dispute and you'll await documentation before you proceed.
Talk With A Credit Lawyer
If you find that the creditor is not responsive or you aren't confident about understanding your rights, it's in your best interest to retain the services of a credit lawyer. He or she will be able to communicate with the creditors on your behalf and enforce the letter of the law to ensure that you are treated fairly. Also, once you retain the services of an attorney, you can direct the creditors to speak only to that attorney. This can save you a lot of the mental anguish and stress associated with the repeated phone calls and questions.
These are the key steps to take to resolve credit inaccuracies and improve your credit score. For more help and guidance, reach out to a law office like Affiliated Legal Services Inc. He or she can evaluate your situation and help you determine how to proceed.
Share14 November 2017
The laws governing child custody and guardianship can be confusing. As a family attorney, I have helped many clients gain legal guardianship over a foster child or a relative's child. Getting legal guardianship of a child you are caring for is important because you need to be able to make decisions about that child's education, health care and other matters. This blog will help you navigate the world of legal guardianship and show you how to take steps to get guardianship over a child whether the child's parents are cooperative or not. Legal guardianship does matter even if a child is not going to be adopted. I hope to help people find the way to get this done.
