Do You Have Errors on Your Credit Report?

Did you know that eight out of ten Americans have errors on their credit report? That credit report is available to your creditors, insurers, employers and other businesses to evaluate your application to credit, insurance, employment, renting or even buying a home.

It’s important that your credit report is accurate. Did you know that your rights to fair and accurate credit reports are governed by the Fair Credit Reporting Act? This allows to you:

1. Dispute the inaccuracy. If you think that there is something inaccurate about your credit report you can dispute it in writing and explain, in detail, why you think that there is a mistake and request that it be removed or corrected. Don’t send any original documents, but do send your letter certified mail.

2. Be patient in waiting for results. Consumer reporting companies have to investigate the disputes and generally, within 30 days, their investigation will be complete. They will give you the results in writing and a free copy of your report if you dispute the chargers.

3. Getting tough. If that investigation doesn’t resolve your dispute, you have the right to sue.

Learn more about how you can check your credit report by checking Sunshine State Bankruptcy at 727.258.4999.

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