Correct Your Credit Report
Sometimes an error on your credit report can be the reason that your credit score is not as high as it should be. Whether a bad report was not removed when it should have been, or another person’s information was put on your report, there are a number of ways that credit report errors can happen. If you are trying to untangle a mess of credit report errors, then please contact 360 Credit Consulting and let us help.
Here are some of the ways that credit report errors can happen
- Self-induced mistakes such as poor handwriting
- Mistakes made by financial institutions
- Credit bureau mistakes
- Identity theft
- Identity errors
- Incorrect reporting of account status
- Balance errors
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Causes of Credit Report Errors
Sometimes, the easiest explanation for a mistake on your credit report is human error. Whether the error was made by your financial institution or the credit bureau, the sheer number of clients they work with can cause mistakes to happen. Entering information from an application or submitting information from one institution to another can result in incorrect information creating an error on your credit report.
How to Dispute Your Credit Report
When you learn that there is an error on your credit report, the first step that you should take is contacting the credit bureau that generated the incorrect report. It is not a bad idea to request your credit report from the two other main credit bureaus to make sure that they do not also have inaccurate information on your credit report.
Secondly, you need to contact the lender or creditor that reported the incorrect information to the credit bureau and let them know that you are disputing the accuracy of the information that they reported.
Call the Experts
While these steps should be easy in theory, the reality can be more difficult and overwhelming. Don’t let that stop you from taking charge of making sure that your credit report is an accurate reflection of your credit history! Contact 360 Credit Consulting, and let us help you with this process. Call today for a free credit analysis.
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360 Credit Consulting can help you save! Are you trying to get credit approval? Improving your credit will save you thousands of dollars each year with better interest rates.
Do you know what’s reporting on your credit report? Do you know what can make it better or worse? Do you know how to maintain a good credit score? Take advantage of our free educational resources and start saving money today.
Don't let a few bumps in the road hurt your financial future. Errors and inaccuracies on your credit are costly, and you might not even be aware of them. We find them and help you remove them.
We can help calculate a realistic time frame for you to achieve the results you want. 360 Credit Consulting analyzes your credit and guides you through the process.