I recently checked my credit report and found errors.?

first pull your own credit reports again second contact credit reporting agencies with errors you may need some proof keep receipts ask for a letter confirming the error has been resolved by the Equifax credit bureau re contact Equifax credit bureau explain they are still report negative error that you thought was resolved. If still not resolved and you have the letter from the credit agency explain to creditor and send them a copy of the letter. and keep call and mailing credit agency until they correct error. if still not correct contact a a lawyer.... t

Below is an answer and a potential solution to your question. Please note: I am not a Attorney and the following information is not to be used or considered as legal advice. It is only educational information. Consult an attorney if you have any legal questions Read and understand it thoroughly before using this information. Equafax does not extend credit. The business you are applying for credit with is using information about your credit history and other data such as, length of employment and time at current resident to make decisions about your credit worthiness. Then Equafax, as well as the other 2 major credit reporting agencies, use a complex process to create a credit score. This score which can range from 350 to 900, is what the creditors use for the majority of their decision. the higher the number the more you look responsible and financialy stable. Now that you have been denied credit you can get a free copy of your report by sending the denial and proper identification to the reporting agency. The address for Equafax is on your denial letter. Once you have recieved your copy, review it and note any inconsistentcies. Write a letter to them sent certified, asking for CERTIFIED VALIDATION of anything you think does not belong on your report. Do not DISPUTE the debt or information. There is difference between Dispute and Validation and you can not dispute something that is not valid or has not been validated to begin with. The "Fair Debt Credit Reporting Act" (FDCRA) states that it is against the law for them to report inaccurate information once challenged. The credit reporting agencies have an obligation by law to remove or correct information within 30 days of written request. Also keep in mind that each time you apply for credit it can cause your score to be lowered. There are some exceptions when shopping for a car or a mortgage however, they are limited to certain amounts of inqiuries. I have, with great success, used a letter like this. EXPERIAN PO Box 9701 Allen, TX 75013 Subject: Certified Verification Via USPS Parcel # To whom it may concern: I am writing to make a request for "Certified Verification" for each item listed below currently on my credit report. I appreciate your prompt attention to this matter. Company Name Acct# Acct # Acct # Acct # Please note the details below that you will need to retrieve The information on this account: Full Name: Address: DOB: SSN: And a copy of my ID Sincerely, . These alleged accounts are NOT BEING DISPUTED. I must have certified verification before a dispute process can occur. I can not sure-footedly dispute an alleged debt without verification; therefore, I must have certified verification/verification. I do not and will not waive my Due Process by disputing something that may or may not be valid. This demand for verification is in accordance with USC 15, Chp 41, Subchapter III.”

Let the one you are trying to get credit from know in advance what is going on with your report. Be honest with them.. They are the ones denying you your credit. Show them copies of letters you have made to equifax stating the corrections needed to be made to your credit report. This way they have not just your word but proof of your resolves.

Contact Equifax and have them correct you record. If it's already corrected, then you need to let them know that they are screwing up.

The Fair Debt Collection Act was put into place for just this very reason. Once a mistake is on a bureau it will tak approximately 3-6 months for the mistake to be removed. Have your bureau with Equifax run again and compare it with the one with the errors. If the errors are still appearing dispute them. Write a letter to the bureau that is error reporting and dispute the mistake again! They have 30 days to respond (this is the law). They will in turn communicate with the disputed merchant or vendor to respond to your disputes. If there is no response from that creditor the bureau MUST remove the disputed item. Credit reports should be run on each year just like you do your taxes. With Identity theft ect. it is imperative that each person obtaining credit or credit scoring obtain that nasty report and view it and dispute anything that is inputted in error!