Fix Credit Report Problems

  The Tariq Law Firm PLCC is a New York based company working on your financial problems. Our primary services are based on financial issues and fixing credit reports error. We have happy customers all over the state.  

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Top Benefits You Get If You Fix Credit Report Errors Online

Have you got your free credit report issued, but have found some errors in it? If yes, then do not worry first of all. In the US, nearly 1 in every 4 credit report has errors in it. So, instead of worrying or getting irritated, now is the time to make a choice whether you want to Fix Credit Report Errors Online or in person? You have both these options available for you and you can choose the one that fits your schedule and feasibility. Today, we will talk about the benefits of fixing your credit report errors online.

The first and the most obvious benefit of fixing credit reports errors online is that it is very convenient. If you choose this way, you do not have to go anywhere to submit your documents. Also, there is no need to spend money on postage and other expenses. All you need to do is have a good internet connection and a scanner along with your computer. Just scan a copy of your credit report, making sure that the errors are highlighted in that report. Also, make sure that you provide the necessary documents to support your claim that the error found in your credit report is actually an error.

The second benefit to Fix Credit Report Errors Online is that you can keep a track of all the conversation that happens between you and the related bureaus. However, if you do the error disputing process in an old-school way, you may lose documents somewhere down the line. Online, you can also keep a track of when an email was sent to the bureau and then you can check that you get a response within 30 days, which is the legal timeframe within which the department is supposed to respond to you.

If you do not get a response within that time period, you can then reply to the same email that was sent to them at the first place instead of sending another email related to the same matter. If the bureau still doesn’t revert, you can then use these emails of yours as a proof while filing your case in the courts because that is the last step that you will have to follow if the department doesn’t resolve the matter and the error still appears on your credit report.

So, when you can get so many benefits by simply sitting at your home and contacting the credit bureaus, then why bother disputing credit report errors in writing? Use the modern way and Fix Credit Report Errors Online to get the matter resolved in no time.

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5 Tips to Improve Your Credit Score by Fix Credit Report Problems - Infogram

Credit Score represents the creditworthiness of an individual. Credit score is mainly based on Credit Report information. Banks usually uses credit score to determine who qualifies for a loan. So, it is important to have a Good Credit Score. To know more

Infographic: 5 Tips to Improve Your Credit Score

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10 Essential Steps to Fix Credit Report Errors

Have you come across errors in your credit report?

If yes, then, first of all, kudos to you!

Finding errors in a credit report is a sign of an extremely vigilant person. Otherwise, if these errors are ignored, these can have a disastrous effect on your financial position. To Fix Credit Report Errors, you need to follow the under mentioned 10 steps. These will help you in fixing the errors at a much quicker rate.

Step 1: Request your free copy of credit report at least once a year to have a constant eye on it. After all, it’s your right to get a free credit report copy from each of the three credit reporting agencies namely TransUnion, Equifax, and Experian.

Step 2: Once you receive your copy, review it properly and check the minutest details possible because there can be minor spelling errors which can result in changing your entire identity.

Step 3: Once you have encountered errors in your credit report, write a Dispute Letter to the U.S. Federal Trade Commission. This letter can be written and sent via post or can be claimed online as well.

Step 4: In your letter, avoid writing harsh wordings and beating around the bush. Instead, stay as precise as possible to make the point clear in the first go and to save the FTC's time as well.

Step 5: If you encounter multiple mistakes and want to Fix Credit Report Errors, then write a separate dispute letter for each error instead of writing everything in one letter. You might think of it to be a time-consuming process as you have to do the same thing over and over again for different disputes, but if you see the other side of the picture, it will help the department dispute the errors much quicker because they will address each error separately rather than considering your letter as an entire batch of different errors.

Step 6: Provide as many backups and evidence to prove that your claim is legitimate. Add all the documents, in your application, that you think can support your claim. It will speed up the correction process.

Step 7: Keep a track record of all the emails, follow-ups and other messages that you have sent to the credit reporting agencies because they can easily refuse that they never received your letter.

Step 8: Send the dispute letters via certified mail and do not forget to request the return receipt.

Step 9: Generally, a reporting agency takes around 30 days to Fix Credit Report Errors. So, mark the day on your calendar and start giving them regular follow-ups in case they don’t revert within this time period.

Step 10: In the worst case scenario, if you still do not hear anything from the agencies despite several follow-ups, you will have to send another letter to the credit reporting agency, by putting the Better Business Bureau, State Attorney General, and Financial Protection Bureau in the cc. If the matter is still not resolved, you might have to approach the courts as well. But do not lose hope. Stay persistent and the matter will be resolved ASAP!

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Correct Procedure to Fix Credit Report Errors

Credit Report, being the most important document for Americans, plays a very important role in their life. A person having a negative credit score is not eligible to get huge loans or financial assistance whereas the ones who have a stronger score are regarded as very respectful in the society. Generally, a credit report consists of errors. So, whenever you get it, your first responsibility should be to Fix Credit Report Errors as soon as you see them.

Now, coming to the correct procedure that can be followed to Fix Credit Report Errors!

First of all, when you get your credit report at the first place, make another copy of it because reviewing a single report will be time consuming as you will have to keep shuffling between the pages to validate the information. Moreover, if there are any errors, you will not be able to mark those on the report itself and will have to note them down on a piece of paper, which will add on to the total time consumed. But, if you make a copy of it, you can keep on checking the original report and can mark the discrepancies on its other copy that you have.

After that, when you start reviewing your report, you will see that it will consist of five main sections namely personal information, credit history, public records, credit score and inquiries. Check all these sections thoroughly to validate that there are no errors done in them. And, if there are some errors, before we set ahead to Fix Credit Report Errors in the following steps, mark the errors that you encounter there itself.

In the next step, you need to mark two or three errors at a time and report them to the three credit bureaus. If you mark and dispute all the errors at once, your dispute can even be cancelled considering it to be frivolous. So, make sure that you first select those errors which have the most impact on your report. Once they are sorted, you can then move on to your other errors.

For filing the dispute, you can either adapt the online medium or can use the old-school certified mail system. In both cases, make sure that you enter all your personal information in your letter and also provide the necessary evidences to prove that your dispute is legitimate. Once the mail has been received by the bureau, they contact the creditors and give them a timeframe of 30 days to verify whether the errors that you have disputed are correct.

Then there will be one of the two cases – if your errors are verified, then you will have to look for other advanced methods to Fix Credit Report Errors; or, if your errors are not verified, then those errors will be removed from your credit report and a new, error-free copy will be issued to you.

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Is There Any Other Way To Dispute Credit Report Errors Rather Than Online?

In the United States of America, having a credit report is essential for you to avail all the financial benefits and recognition. It is very easy to have your credit report go negative. It just requires one missed payment of your credit card debt or your utility bill, and your credit score will keep on falling and falling unless you make the payment in full and get the credit report back on track. However, having a stronger credit report makes you eligible to get financial assistance from every kind of financial institution, without much investigation.

In the US alone, 4 out of 5 credit reports which are generated, have some or the other kind of error in it – be it incorrect details, outdated personal information, or any other discrepancy. There are two ways to solve the matter. You can either dispute credit report errors online or can do the same by mail. Though the former method is much quicker and safer to use, we will talk about the latter today.

In this method, the first thing that you need to do is to contact the major bureaus and submit a dispute in writing. You can do it using certified mail, but don’t forget to request a return receipt. In your letter, all you need to mention is the details of the corrections that you have encountered and the actions that you would want to be taken regarding those mistakes, that is, whether you want them to be deleted completely or want them to be corrected.

To support your dispute, provide as many documentation proofs as possible, but avoid submitting the originals and you will need these for your case further. Once you have done that, the bureau has 30 days to solve the matter. Within that time, what they will do is they will request the respective provider (who did the mistake) to resolve the matter at their end. Once the matter has been resolved, the provider will send you the information about the corrections, along with the copy of your updated file. This information will also be provided to all the institutions that might have requested your credit report during the last 6 months. Moreover, you can also request the updated file to be sent to any other place where you looked up for employment in the past 2 years.

Isn’t this process of disputing credit report errors really simple? To find out more about the way to dispute credit report errors online, you will have to look out for our next post. So, stay tuned!

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Should I Fix Credit Report Errors Online or Hire Experts?

Well, to keep it straight – you can always Fix Credit Report Errors Online but the advice is to hire the experts to do that task for you because they have been doing that work from many years. And, they have handled different types of works. Hence, they have experience and are well aware of what they are doing and how they are doing it. Generally, when you hire a credit errors fixing company, they can help you in resolving issues such as removing dissimilarities between each bureau’s file; reporting errors done by your HR Department; resolving issues related to information which has not been updated even after divorce; updating information which is not available anymore; and several other things as well.

It has been revealed in a recent survey by the FTC, which states that nearly 1 in every 20 Americans comes across Credit Report Errors. On top of that, when they tried to report the errors and get them corrected, 20 of them saw an increase of almost 25 points in their score and another set of nearly 250 consumers witnessed a rise of 100 or more than 100 points in their credit score.

Hence, to eliminate the chances of reporting errors in a wrong way and in order to increase the probability of getting the results faster; you should hire Credit Repair Companies. The process which is followed by such companies, to Fix Credit Report Errors Online or in Person is as follows:

Firstly, they request a copy of your TransUnion, Experian, and Equifax file.

Then they sit with you and compare the data in all three files to see whether there are dissimilarities in those files.

Then they highlight all the errors which are required to be reported and eliminated.

After that, they report those errors to the respective credit bureaus.

At last, they follow up with those companies to make sure that the errors are resolved before they become severe.

Do you want to avoid a headache to yourself Fix Credit Report Errors Online, and want to hire Credit Repair Experts? Then, all you need to do is contact Fix Credit Report Problems right now! They are experts in their field and help you throughout the process to get your credit report corrected.

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Follow These 4 Ways to Rectify Your Credit Report Errors

In general, Credit Report Errors can be as minor as simply a paid loan being shown as unpaid; or as major as a wrong information in your credit report because of you sharing the same name with some…

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Credit Score represents the creditworthiness of an individual. Credit score is mainly based on Credit Report information. Banks usually uses credit sc

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3 Common Credit Report Errors and 2 Ways to Fix Them

Credit Report, as the name signifies is a report that contains information about your financial status. A credit report with a good score ensures that you get all the loans that you apply for, and the traders, financial companies trust you while lending money. On the other hand, a negative credit report means that your score is not up to the mark and you have some unpaid bills or finances. Having a bad credit report will prevent you from getting any kind of financial help from any financial institution in your area.

As this document is very crucial, you need to be very vigilant, when you receive it. In all the hustle and bustle of doing the paper works, most of the credit report generating companies make mistakes. For them, it is just a minor typo but for you, it can make or break your image. So, once you receive your credit report, inspect it thoroughly in case there are any credit report errors. Following are some of the common credit report errors that you need to detect.

Clerical errors such as mistakes in your account number, name or other personal information.

Check if there is any outdated information, which normally occurs when companies forget to update your details in their databases.

Sometimes, there can be instances when accounts of different persons having the same name get merged. 

Well, all these are human errors, yet they can be eliminated by using the following two methods:

The first way is to use your online dispute form. You can fill it in and send to the relevant department so that the mistakes can be corrected.

Another way, which is way more professional and reliable, is to contact Fix Credit Report Problems online. If you approach them, they appoint a lawyer to assess your case FREE of cost and tell you about the credit report errors that have been made. Alongside, they inform you about the step that needs to be followed next. If you trust them, you can hire them to perform the next steps and get the credit report errors corrected for you.   

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Choosing Right Credit Repair Company to Fix Credit Report Errors

Want to fix your credit report errors? Then, here are some things that can help you in choosing the right credit repair company.

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https://fixcreditreportproblems.com/

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Top 3 Reasons to Fix Credit Report Errors As Soon As You See Them

Here are some of the reasons that you need to know why fixing credit report errors is important for you. To Fix your Credit Report Errors, Contact at [phone] now.

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Fixing 5 Most Common Credit Report Problems- Fix Credit

To begin with, let us understand what a Credit Report is! In short, it contains information about your current credit situation, your loans, debts and other financial history. Why do you need it? Generally, you need it in case you need a loan. Lenders use your credit report to see whether or not they want …

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8 SIMPLE WAYS TO DISPUTE CREDIT REPORT ERRORS

Everyone who has got the credit report done is well aware of the fact that errors come along with that. Error in the reports is a standard issue. One should keep a check on the credit reports at le…

Everyone who has got the credit report done is well aware of the fact that errors come along with that. Error in the reports is a standard issue. One should keep a check on the credit reports at least once in a year. The only way to spot the wrong information that has entered your credit report is by checking it yourself.

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Fixing Credit Report Problems

Are you looking for fixing your credit report errors?, then we are here to help you. The Tariq Law Firm PLCC is a free resource finance company in New York which provides you the best attorneys to fix your credit problems. We deal with Credit report error false employment reports, text or robocalls, debt collectors and identity thefts. For more information please visit our website www.fixcreditreportproblem.com.