You shall know how to make your credit report better and by following them you can improve it and get better financial deals.The simplest way of doing this is checking for errors that are there in your report and correct it. Send this paper to agency who has given it you and ask an explanation and request your corrections.
You can do the same with credit card company if there is a billing problem with it and calling over a phone is not going to solve your problem . You are expected to write a letter with in the sixty days of billing for corrections. You shall send this information to customer care and not to the billing address.
You can request the agencies to add your accounts that are not listed in the report to make your report better. You may have to pay some fee for this and it is not an obligation for the reporting agency to do this favor for you and it is their rules that decides.
If your personal information in the credit report is incomplete or incorrect you can ask for fulfillment or correction. It is like your employer,your current address,new and updated phone number that you have etc come into this category. This will show stability in your report and improve it easily.
If there are unauthorized enquirers about you in the report you can take to the authorities and ask them to remove .
Adding your statement to the report
You can add a small statement of 100 words in your report and use it to say that you have problems previously and you came out of them presently and your financial status is now better to get a better report. Any way many creditors don't care that much about it and they even need not print ever thing that you claimed but only summery. It helps only in the case of temporary illness or caring for some one in the family and fighting with medical bills and hence unable to pay the dues on time.
Simply to put you are putting your case before some one who is looking for it that you are actually a good financial habits and unable to follow them because of unexpected reasons and soon it is going to better.
You can Sue the Credit reporting Agency
There is some thing seriously wrong in the report and you have asked them to correct it. They had taken the possible time and failed to reflect the truth that you represented.Your mortgage loan is rejected because of that or employer denied the job because of that.Then you have every right to sue the company for the damage they caused to you.
You have two years to complain about the serious problem caused to you and you can file a suite.
You can ask for the damages like mental stress they caused, salary that you last, attorney and court fees etc.
You can also sue them if they reject to issue the report which is having the misinformation,giving the credit report to some one who is not authorized to get it or failed to correct the address that you have informed in written.
For this sake collect all your correspondence with them in record and use it when needed.
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You can do the same with credit card company if there is a billing problem with it and calling over a phone is not going to solve your problem . You are expected to write a letter with in the sixty days of billing for corrections. You shall send this information to customer care and not to the billing address.
You can request the agencies to add your accounts that are not listed in the report to make your report better. You may have to pay some fee for this and it is not an obligation for the reporting agency to do this favor for you and it is their rules that decides.
If your personal information in the credit report is incomplete or incorrect you can ask for fulfillment or correction. It is like your employer,your current address,new and updated phone number that you have etc come into this category. This will show stability in your report and improve it easily.
If there are unauthorized enquirers about you in the report you can take to the authorities and ask them to remove .
Adding your statement to the report
You can add a small statement of 100 words in your report and use it to say that you have problems previously and you came out of them presently and your financial status is now better to get a better report. Any way many creditors don't care that much about it and they even need not print ever thing that you claimed but only summery. It helps only in the case of temporary illness or caring for some one in the family and fighting with medical bills and hence unable to pay the dues on time.
Simply to put you are putting your case before some one who is looking for it that you are actually a good financial habits and unable to follow them because of unexpected reasons and soon it is going to better.
You can Sue the Credit reporting Agency
There is some thing seriously wrong in the report and you have asked them to correct it. They had taken the possible time and failed to reflect the truth that you represented.Your mortgage loan is rejected because of that or employer denied the job because of that.Then you have every right to sue the company for the damage they caused to you.
You have two years to complain about the serious problem caused to you and you can file a suite.
You can ask for the damages like mental stress they caused, salary that you last, attorney and court fees etc.
You can also sue them if they reject to issue the report which is having the misinformation,giving the credit report to some one who is not authorized to get it or failed to correct the address that you have informed in written.
For this sake collect all your correspondence with them in record and use it when needed.
Related Posts
Understand and analyze your credit report
My credit check an introduction
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