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Common inaccuracies that appear on credit reports include accounts you’ve paid off that still show up as unpaid, outdated items, and closed accounts still being reported as open. All of these errors can make a huge impact on your credit score. Send a letter to the creditor along with copies of any documentation you have that proves the entry is incorrect.

Creditors have thirty days to respond to your communication, and it’s up to you to hold them to that deadline.

It’s always better to deal directly with a creditor than with a collection agency, so try to go straight to the source whenever possible. 4. Contact credit reporting agencies about removing mistakes. Again, include copies of documentation and send your request in writing.

The credit reporting agency also has thirty days to respond to any request for removal of incorrect information from check credit online free Washington your report. how to get free credit report online Written communication and documentation enables you to prove your dispute legally if necessary. Never send your original documents to a creditor or credit reporting agency; instead, make copies so that you can produce the originals again if needed. If a creditor or collection agency refuses to work with you on resolving mistakes, it may be time to call in the experts. Credit counseling agencies and credit repair companies can help you resolve conflicts and take care of any legal action necessary. Make sure you check out the reputation of any company you work with before taking this step, however. credit report 3 Watch out for companies that want to charge you up front before rendering services, that want you to dispute even correct and accurate information on your report, that fail to tell you what you can do yourself for free to correct problems, or that advise against contacting credit reporting agencies directly. These six steps will ensure that your credit report accurately reflects your financial situation, but only if you take the initiative to dispute errors. You can save yourself a lot of headache and frustration check credit online free Washington simply by keeping a close eye on your credit report and taking care of problems as soon as they appear. The copyright of the article Credit Reports: What to Do About Mistakes on Yours in Credit card debt is owned by Carrieanddanielle.com. Permission to republish Credit check credit online free Washington Reports: What to Do About Mistakes on Yours in print or online must be granted by the author in writing. check credit scores Read check credit online free Washington more at Carrie and Danielle: Credit card debt New Law: Property Managers and Credit Reports IMPORTANT: There check credit online free Washington is new law affecting check credit online free Washington property managers pulling credit reports.