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The major credit bureaus have 30,000 data processors who file 4.5 billion updates to credit reports each month. That, coupled with the fact that 90% of Americans have records with these bureaus, is the reason why credit report errors are not few and far between. That's why it's more important than ever to request a copy of your credit report regularly. Under the Fair Credit Reporting Act (FCRA), everyone's entitled to one free credit report (from each of the three credit reporting agencies) per year.
These credit report errors aren't solely due to typos on behalf of the credit reporting agencies, though. A lot of credit errors are attributed to the creditors providing information to the credit bureaus.
If you find any errors or inaccuracies on your credit report, you should know how to dispute a credit report error. You can dispute credit report errors involves sending a dispute letter, along with copies of supporting documents, via certified mail. Under FCRA rules, they must delete those credit report errors within 30 days (unless they're proven to be accurate).
At Best Legal Credit Repair, we could fix credit report errors for you. With our personalized credit repair service, we will analyze your credit report and devise a solution that best fits your needs. Don't be at the mercy of your credit report. Due to some of these credit report errors, you could be getting denied for loans, jobs, insurance, and lines of credit. Sign up now!
Credit errors range from something as simple as spelling or demographic mistakes to potentially damaging financial information. According to a 2004 study by the U.S. Public Interest Research Group, the approximate percentage of credit report errors is a whopping 79%! Here are some other startling percentages:
22% of credit reports list loans twice. This makes creditors think your credit is over-extended.
30% of reports list loans closed by the consumer as open and active.
54% of reports contain personal demographic information (i.e.: name, date of birth, social security number, address) that's misspelled, outdated, belonging to a stranger, or incorrect for other reasons.
8% of reports are missing credit, loan, mortgage, or other consumer accounts that demonstrate a consumer's creditworthiness.
A quarter of credit reports (25%) contain errors serious enough to deny a consumer's credit.
With such a high percentage of credit report errors, this is as good a time as any to seek out credit repair. You could be getting denied for loans, lines of credit, and jobs through no fault of your own. If you don't dispute credit report errors as soon as possible, that negative information can linger up to 15 years. At Best Legal Credit Repair we could eliminate all those errors within 4-6 months. Don't let your credit suffer any more. Call us toll-free at 1-800-455-9416 or fill out our online form to see how we can remove credit report errors from your credit reports for good!