You didn’t ask to have a credit report, so it better be correct. Right?
We created for you a quick look at the top 5 errors to find and fix in 2017.
Let’s get started!
5. Not your account.
This is very common. When you look at your report, you may see an account that you have never seen before. You may have an account on your credit report that simply is not you.
This is wrong.
You have a right to have it removed forever. But, you must take steps. We talk about the next steps here to learn more.
4. Lying about how long ago you stopped paying.
This is one of the most common errors I see. See, you can only have bad info on your account for 7 years.
One of the tricks collectors use is to put the date they started collecting on you rather than the date you went into default. It is so common for you to have stopped paying, let’s say, DISH in 2015. When you look at your report, you may see that a debt collector is saying you stopped paying in 2017. That added 2 years of having bad credit. That is illegal.
You have a right to have it removed forever. But, you must take steps. We talk about the next steps here to learn more. However, without a lawyer the FTC says you’re lucky if you get almost a 20% of getting it off with a lawyer.
3. Refusing to mark your account as disputed.
This is another collection favorite. If you ever have disputed the amount you owe or the validity of the account with a collector verbally or in writing, they must write on your credit report in the section entitled REMARKS that the consumer disputed the account. They must. They must do it or it is illegal. If they don’t do it the first time, you may be able to enforce your rights, get the debt released and get paid…while having a free lawyer. If you want more on this, go here.
2. Saying you owe the wrong amount/saying you owe money when you don’t
This is one of the most common complaints about credit reports.
Unfortunately, identity theft is huge. Some estimate that 1 in 4 will have to go through this.
It is easy to fix when you use the law like us.
It is hard to impossible to fix when you do not.
They don’t want to delete an account when they don’t believe you…and they never believe you. It doesn’t matter if you never lived in Colorado to get a Comcast account. It doesn’t matter that you never went to New York and got a car loan. They just will not believe you because it makes financial sense to not believe you.
Information alone will not fix this… so we have an offer for you.
Our One-Time Offer to You
If we take your case, we will get the error off your credit report within 3 months or we will make them correct the errors and get you a check from them without you ever having to pay us directly.