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You do. You alone can decide whether a credit item should be questioned or not.
As a consumer you have the Legal right to dispute any information on your Credit Reports that you feel may be misleading, inaccurate, incomplete, outdated or questionable.
If an item cannot be verified, then it must be removed.
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STEP 1:
CreditUmbrella's software features special tools to help you obtain your free credit reports from equifax, experian & transunion.
The Fair and Accurate Credit Transaction Act of 2003 (FACTA) made it mandatory that credit bureaus supply consumers with one free credit report each year through Annual Credit Report website.
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STEP 2:
Review your credit reports carefully to identify any items that are negatively impacting your credit score and highlight everything you believe to be errors, inaccurate, or obsolete, These could be negative accounts, inquiries, collections and public records. Studies show that as many as 75-80% of all Credit Reports contain inaccuracies and errors. |
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STEP 3:
Access our extensive library of proven Dispute Letters to maximize your results. These are perfect for disputing Late Payments, Judgments, Civil Claims, Charge-Offs, Foreclosures, Liens, Repossessions, Bankruptcies, Accounts in Dispute, Settlements Accepted, Collections and more. Take advantage of your unlimited use of all of these proven Credit Repair Letter Templates with few clicks. |
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STEP 4:
According to the Fair Credit Reporting Act Credit Bureaus have thirty (30) days to investigate your request to verify and make changes on your Credit Report and inform you in writing of their investigation results within five (5) days of its completion.
If the credit bureau or the creditor is unable, unwilling or unavailable to verify that a credit item is accurate and timely, it must be removed from your credit report.
Hopefully, with fewer questionable items on your Credit Reports, you will begin this process all over again until you feel your Credit Report is at its best and accurate. |
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