There are three standards that every item on a credit report must meet

Standard One: Item must be reported within the allowable time periods. It must be reporting timely information. Standard Two: Item must be one hundred percent accurately reporting all of the information on the account. So all of the information on the account – name of the creditor, account number, status, date of last activ ..

The Use of Automated Systems in Credit Disputing

Credit dispute investigations usually involve the furnisher (or creditor) comparing the information in their computers to what is reported in a consumer’s credit file. Typically the bureau accepts what the furnishing company tells them. This is referred to as “parroting,” as the reporting agency is simply repeating w ..

The Real Deal on Paying off Collections

Collection companies have done a great job over the years of convincing consumers that paying off collections will raise their credit scores. Many are actually surprised to learn that paying off collections will actually lower their credit scores. Collections are usually reported on the credit as a “9” status or collectio ..

The Need for Credit Repair

In today’s economic climate, the ability to get credit, and get approved for various purchases that require underwriting of credit, has drastically changed over the last several years. Several years ago, it was easy to get a loan; for a home, a loan for a car; for just about anything that you wanted. Many of the terms have ch ..

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