There are several ways to clean up a messy credit score, but most people do not know where to begin. A credit repair program in New York has experts who can help you dispute claims and take steps to raise your score. When you have an error on your file, you might be able to have it removed, but you must take the initiative to address it.
Fair Credit Reporting Act (FCRA)
The federal government protects consumers from false or inaccurate statements on their credit history. This branch of government works with the three credit bureaus: TransUnion, Experian, and Equifax. It is a good idea to check your credit report once a year. If you spot an error, it is time to contact that bureau.
Dispute
You can contact TransUnion, Experian, and Equifax by regular mail, phone, or through their online portals. If you choose the traditional mail option, you will need to print out the necessary form, fill it out, and mail it in, or you can also scan the document to them. The bureaus have a toll-free phone number where individuals can log disputes. When you call, make sure you have the report in hand. Through the online portals, you fill out the form and hit submit. It is the fastest way to get through the system.
Outcome
Once the reporting agency investigates your claim, they will update your profile, delete the error, or allow it to stand. They might state that their files are correct, and in those situations, you may want to seek professional advice from a credit repair program in New York. For more information and to discover more credit repair tips, contact Square One Credit Management at.
