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Call us at
706.571.0424 or 1.866.571.FMMC (3662) for a FREE Loan Analysis! |
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FIXING CREDIT REPORT ERRORS
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| You have the right, under the
Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file. When a credit reporting agency
receives a dispute, it must reinvestigate and record the current status of the disputed items within a "reasonable period of
time," unless it believes the dispute is "frivolous or irrelevant." If the credit reporting agency cannot verify a
disputed item, it must delete it. If your report contains erroneous information, the credit reporting agency must correct
it. If an item is incomplete, the credit reporting agency must complete it.
For example, if your file shows that you were late in making payments on accounts, but fails to show that you
are no longer delinquent, the credit reporting agency must show that your payments are now current. If your file shows an
account that belongs to another person, the credit reporting agency would have to delete it. Also, at your request, the
credit reporting agency must send a notice of correction to any report recipient who has checked your file in the past six
months.
For items in your credit profile which you feel deserve
further explanation (such as an account that was paid late due to the loss of job, military call-up, or unexpected medical
bills), you can send a brief statement to the appropriate credit reporting agency. The information will be placed in your credit
profile and will be disclosed each time it is accessed.
Credit Links:
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