Nothing But Accurate Information On Your Experian Recordf

Nothing But Accurate Information On Your Experian Recordf

It could be a financial inconvenience to have inaccurate information on your consumer credit reporting agency record. Reports show that a large number of these records held by the top three credit bureaus Experian, Equifax, and TransUnion contain inaccuracies. Before you even have the need to avail of a credit facility, you want to make sure that your credit scores are not affected by negative information wrongly reported on your credit records with Experian or any other consumer credit reporting agency. You have the right under the Fair Credit Reporting Act (FCRA) to check your credit records once a year and dispute whatever inaccuracies they may contain. These would include negative information that should not have been reported as well as information about credit activities that have gone on record beyond the legal prescribed time period. While there is a time frame within which an entry could be included in your credit record, there is nothing that says such a negative entry could not be taken out for due cause before the end of the stipulated time period. There are ways through which you can clean your Experian record to increase your credit score and consequently make you eligible for better credit instruments and terms.

The usual way to dispute an entry in your Experian credit record is to report it to the consumer credit reporting agency. For most agencies, Experian included, you can file your dispute online or through mail. The preferred method is through mail as it provides you a traceable paper trail. The agency then has about thirty days within which to act on your dispute letter. You may find templates of these dispute letters online if you are having a hard time drafting one. These agencies, however, are not known to respond right away. They can also refuse to act on your dispute and ask for proof that the information in your credit record is indeed inaccurate. Most people go through this process and end up being frustrated. There are online sites that give you tips and templates to follow but these would really just give you the same results. What you need is an expert legal professional who specializes in credit correction. Upon review of your case, these experts can already give you a plan of action that would have a higher probability of success than those recommended by smaller mom and pop shops and do-it-yourself websites. You simply get results faster with these professionals. With accurate information on your credit record, you will have better access to a host of credit facilities.

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