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Disputing medical information on a credit report requires getting a copy of your credit report from all three credit reporting bureaus, making sure the dispute is legitimate and hand-writing a letter stating the case. Send a certified copy of the letter to each credit reporting bureau with instructions from a certified financial consultant in this free video on credit reports.
Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz
Duration : 0:2:3
Maxine Sweet, Vice President of Public Education for Experian, explains the importance of protecting your financial information and preventing identity theft and credit fraud. For more information, visit: http://www.experian.com/credit-education/credit-information.html
Duration : 0:1:16
To add good payment history to a credit report, get a copy of the credit report from all three credit bureaus, write a letter about good payments not being on the report, and ask the person who loaned the money to provide supporting documentation. Send all information to the credit bureaus through certified mail with advice from a certified financial consultant in this free video on credit reports.
Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz
Duration : 0:1:52
A proactive way to prevent identity theft is to freeze your credit file with the three credit reporting bureaus, Equifax, TransUnion and Experian. Freezing your credit file means no one can open a new account. It does not close your exisitng lines of credit, but it means that no one can open a new credit account or line of credit. If you’re young and trying to open lines of credit to establish your credit history you probably don’t want to freeze your credit file. However, seniors who don’t need to open more lines of credit and maybe have paid off their mortgage can consider freezing their credit to prevent possible identity theft. Also, consider freezing your credit if you think your personal information was compromised and you’re at risk for identity theft.
Duration : 0:1:59
Do you need a credit monitoring service? You can pull your credit report once a year for free from each of the three credit reporting bureaus from AnnualCreditReport.com, but you might want to monitor your credit more frequently. If you feel that you are at risk for identity theft, your personal information has been compromised, or you just want to keep an eye on your credit score, you might want to use a credit monitoring service. With a credit monitoring service you should be able to see your credit report and credit score, be notified when any changes occur, and depending on the service, freeze and unfreeze your credit file.
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Dealing With Debt Collectors – Debt Validation.
The first most important rule of dealing with debt collectors you must remember: never admit and accept a debt unless it was proven to you that it IS your debt. You have the right to request documentation from the collector substantiating his collection efforts. You must send your validation request no later that 30 day since the collecting agency’s first contact.
What debt collectors should provide:
() Proof that the collection company owns the debt/or has been assigned the debt. At a minimum, some account statements from the original creditor.
() Proof that this debt is yours – a copy of the original signed loan agreement or credit card application (or at least account statements from the original creditor).
() Explanation of the amount and all fees and payments starting from the original creditor (this is not in the FCRA or FDCPA – but was established in one of court cases in 2004 ( for more info visit http://www.101CreditRepair.com )
Procedure:
1. Send a letter requesting validation to the collection agency (via certified mail)
2. Dispute the collection with the credit bureaus (certified letter). You must never skip this step.
3. Wait 30 days to hear back from the collection agency. Most likely they either not respond – or not provide everything as needed.
4. If they haven’t sent you satisfactory proof, send them a 2nd letter with the copy of the first one and delivery receipt. Tell them that they have not complied with the FDCPA and are now in violation of the Act. Tell them they need to immediately remove the collection listing from your credit report or you are going to file a lawsuit because they are in violation of the FDCPA, section 809 (b).
5. Wait 15-20 days to hear back after this second letter to the collection agency. They will either remove it or not respond.
6. If they do provide all required documentation – there is one more thing you can try: see if they are legally licensed to collect the debt in your state (not all states require license).
If the collection agency did not agree to remove the listing, then you need to continue to the next steps. For more information about this process, including template letters, visit http://www.101CreditRepair.com
Duration : 0:3:58
Maxine Sweet, Vice President of Public Education for Experian, describes what a credit report is and what it contains. For more information, visit: http://www.experian.com/credit-education/credit-information.html
Duration : 0:0:59
Maxine Sweet, Vice President of Public Education for Experian, discusses the difference between a credit report and a credit score and how to request a credit score. For more information, visit: http://www.experian.com/credit-education/credit-information.html
Duration : 0:1:20
Maxine Sweet, Vice President of Public Education for Experian, discusses the impact of requesting your credit report on your credit score. For more information, visit: http://www.experian.com/credit-education/credit-information.html
Duration : 0:1:16