Free Credit Bureau Report – It May Be To Late To Get Your Report.. Or Is It?
Most people never think about their credit scores until it is to late. I had a friend by the name of Julia who completed an application for an apartment. Terminated her lease on the old apartment, and was days away from moving in. Then the phone rang! The apartment complex rejected her application due to her credit.
Julia called stressing out. She had know idea how to handle this unfortunate situation. I explained to her that, "The Fair Credit Reporting Act" allowed every American one copy of their report per year. After pulling her report Julia was shocked to find that not one of the negative marks on her report belonged to her.
Julia and I continued to the next step in the credit repair process. We identified each negative ding on her credit report. I advised Julia to go through her records and try to find any proof that would show that these were errors on her report.
Julia was almost ready to send off her letter of dispute. You must mail your letter of dispute by certified mail. This will be the only proof of the time and date in which you mailed your dispute claims.
If you fail to do this it may cost you dearly in the long run. The credit bureaus have 30 days to investigate your claims. If they fail to do so during that time by law they must remove the marks in question. The burden of proof is on you.
I hope that I got my point across in this article. I want you to understand that you are entitled to a free credit bureau report. I decided to share this information by sharing a real life story of a close friend of mine. However I strongly advise that you continue to educate yourself on the credit repair process.
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Comments on Free Credit Bureau Report – It May Be To Late To Get Your Report.. Or Is It?
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Credit reporting agency Teletrack has been fined nearly $2 million by the FTC for illegally selling credit reports. Photo Credit: TrinityCreditServices/Flickr/CC-BY Credit reporting agency Teletrack, which specializes in subprime credit reports, has been fined by the FTC for selling credit reports illegally. The agency was found to have sold credit reports to payday loan lenders and has to pay $1.8 million in fines to the Federal Trade Commission. Company cited for selling credit reports for marketing purposes The Federal Trade Commission has slapped credit rating agency Teletrack with $1.8 million in fines for illegally selling credit reports to payday loan companies for marketing purposes, according to WalletPop. Teletrack has agreed to pay the fines, but insists that it acted entirely within the law. The FTC says the company violated the Fair Credit Reporting Act, which prohibits the selling of financial information such as credit histories or borrowing habits of customers or…
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