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Consumer Credit Bureau

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Kim Said:

What is on a consumer credit report?

We Answered:

hi,
on your credit report are current and paid off debts to creditors and each creditor sends in reports monthly to quarterly, on if you have been late at all. it also shows any lawsuits concerning money you owe, or collection agency's looking for you for payments. hiring and firings are not on your credit report. your resume' shows places of employment and person's to contact regarding your employment performance. if anything is reported incorrectly on your credit report, you have the right to straighten out the matter, with the help of the reporting credit agency, as there are 3 major bureaus. also, if a former employer says anything about you that is not true and it costs you getting a new job, you can sue that former employer.
i hope this helped! good luck! :)

Elmer Said:

What proof(s) does a business or lender need to submit to a credit bureau when reporting a delinquency?

We Answered:

Creditors are not required to submit any proof to the credit bureaus. They merely report the debt. The creditor must comply with the Fair Credit Reporting Act (FCRA) which covers accuracy.

However, errors are very common. It is very easy to transpose numbers or other keying errors. That is why it is important to review your credit reports for accuracy on an annual basis. If you pull a free credit report from one credit bureau every 4 months, you spread the review process out over a year. You can get real free credit reports thru AnnualCreditReport.com.

Rhonda Said:

Does anybody know how to compose a letter for the Credit Bureau?

We Answered:

Sample Dispute Letter
Today's Date

Name of Credit Bureau
Mailing Address of Credit Bureau
City, State, Zip

Attention: Consumer Relations

I recently obtained a copy of my credit report from your service and have found the
following items to be in error.

EXAMPLES

Item #1: I dispute ABC National Bank account #12345. I have never been late on
this account.

Item #2: I dispute ABC Financial Services account #4545. This account was not a
charge-off, please delete.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you
re-investigate those items indicated, and promptly delete any unverifiable, inaccurate,
or outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted
along with the name, address, and telephone number of anyone contacted for
information. Furthermore, if there is a change in my credit history resulting
from your investigation, I am requesting that an updated report be sent to those
who received my report, within the last two years for employment purposes, or
within the last one year for any other purpose.

My full name is:_____________________________________…

My Social Security # is:_____________________________________…

My date of birth is:_____________________________________…

My home phone number is:_____________________________________…

My address is:__________________________ (Ave., St., etc.) APT:____________

City: ______________________________ State:_______ Zip Code:_____________

Please send me an updated copy of my report, and notification that items have been
deleted. I will consider 30 days a reasonable time for your re-verification of
these items.

Thank you for your prompt attention in this matter.

Sincerely,
Signature: ______________________________ Your Ad Here

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