Clean Credit Report - Easily Raise Your Credit Score 100 Points.

Your credit report contains information about where we work

, live and exactly how you pay your bills (On time or not). It also may show whether you've been sued, arrested or have filed for bankruptcy with within the last 10 years. Companies called consumer report generation agencies (cra) on the other hand credit bureaus compile and sell your credit report to businesses all over the world.

Whenever you apply for any type of credit or financing, a credit report is pulled from at least one of many three major credit bureaus. You want a clean credit report to be pulled. While there are countless smaller credit bureaus around the country, virtually every credit bureau is actually affiliated with either Experian, Trans Union, or Equifax. Getting Your Great Credit Report

If you've been denied credit, insurance, as well as employment because of information supplied by a credit reporting agency, the FCRA says the corporation you applied to ought to give you the agency's name, address, and telephone number. If you contact the agency for a copy of your report within 60 days with receiving a denial notice, the report is free. In addition, you're entitled to one free copy of your report a year.

If on a want a copy of the report, call each credit bureau listed since more than one agency may have a file on we, some with different details.

The three major national credit bureaus are:

Equifax, P. O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.

Experian (formerly TRW), P. O. Box 2002, Allen, TX 75013; (888) EXPERIAN (397-3742).

Trans Union, P. O. Box 1000, Chester, PA 19022; (800) 916-8800.

Correcting Errors For Clean Credit.

To protect the rights under the law and to keep your credit clean contact both the CRA and the information provider. First in order to clean credit reports, tell the credit reporting agency in writing what information we believe is inaccurate. Include copies (please keep your originals) with documents that support your position. In addition to be able to providing your complete name and address, your letter should clearly identify each item in your report we dispute, state the facts and explain why we dispute the information, and request deletion or correction. Always keep copies of your dispute letter.

They must reinvestigate the items in question, usually within 30 days, unless they consider your dispute frivolous. They also must forward just about all relevant data you provide the dispute to the information provider. After the information provider receives notice of a dispute from CRA, it must investigate, review all relevant information provided by the CRA, and report the results into the CRA. If the information supplier finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file. Disputed information that cannot be verified must be deleted from your file, then you will recieve a clean credit report, with that item removed.

If your report contains erroneous information, the CRA must correct it(clean credit).

If the best item is incomplete, the CRA must complete that. For example, if your file showed which you were late making payments (30 days or more), but failed to show that you were no longer delinquent, the CRA must show that you're current.

If your file shows an account that belongs only to another person, the CRA must delete it.

When the reinvestigation is complete, they must give you the written results and a free copy of your clean credit report, if the dispute results in a change. If the best item is changed or removed, they cannot place the disputed information back in your file unless the information provider verifies its accuracy and completeness.

Also, if you request, they must send notices with clean credit report corrections to anyone who received your report within the past six months. Job applicants can have corrected copy of their clean credit report sent to be able to anyone who received a copy during the past two years for employment factors. If a reinvestigation is not resolve your dispute, ask the CRA to be able to include your statement in the dispute in your data and in future reports.

Second, together with writing to the credit agency, tell the creditor or other information provider in writing that you dispute an item. Again, include copies (please not originals) with documents that support your position. Many providers specify an address for disputes. If the provider then reports the item to any credit report generation angency, it must include a notice of your dispute. In addition, if you are correct that is, if the disputed information is not very accurate the information supplier may not use it again, thus you contains a clean credit report.

When negative information in your report is accurate, only the passage of time can assure its removal. Accurate negative information can generally stay on your report for 7 years.

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by: Triston r Johnston

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