Money | Debts | Financial Freedom

Finding Credit Report Mistakes

Many folks don’t review their credit score reports and feel embarrassed when they’re refused credit. If you haven’t reviewed your report lately, you want to find the mistakes that might be on your report.

I personally recommend that you review your credit report twice a year until you have four credit reports in a row that contain accurate information. If you have not reviewed recently, you should get a copy of your report from each of the three credit bureaus (TransUnion, Experian and Equifax).

Once you have those reports go through each one and highlight anything on your credit report that is inaccurate, miss-leading or simply not yours. If an item is being reported inaccurately or incorrectly it can damage your credit score. If you find that you have anything on your credit report that is inaccurate then you should dispute it with the credit bureau.

If an item is reporting and it is miss-leading, you may want to contact your creditor and discuss with them what they are reporting. You can also dispute those items with the credit bureau so that they will investigate the listing with your creditor. By discussing it with your creditor they may choose to change the listing. But don’t give up if it is not reporting correctly.

Ultimately , if you see a listing that you have not had or been part of, then you want to dispute it straight away. These categories of lists might be an accident but they might also be a symptom of ID theft. By disputing them you must get those items removed from your credit history.

If you have pulled your reports and find that you have several items on each report that need to be disputed, then you may want to hire a professional to dispute those items for you. There are legitimate credit repair companies. They will dispute the items that you tell them to dispute. They will continue to dispute them until you tell them to stop disputing. They handle all of the daily work and require very little of your time to continue to work. If you have quite a bit of disputing to do, then check them out.

Good credit is crucial and if you have anything on your report that will hurt your score, you must dispute it. When you have your report correct, and then examine it again in 6 months. Repeat this process till you’ve had 4 reports that were correct. Then you can reduce checking your report to every year. By having a correct report you may be ready to build on your credit.

Learn more about credit repair by visiting www.ovationcredit.com. Ovation specializes in credit repair and credit report repair services.

categories: credit repair,credit reports,credit scores,bad credit,fix credit,improve credit,personal finance,finance

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