Credit Card Articles
Errors On Your Credit Card
Errors on your credit card: - what you have to do. (11)
The fact that the agency that compiles or can compile information about you is not one will make it almost impossible for you not to encounter problem in future. When you apply for credit in bank, stores or any lending company you may be denied.
This does not mean the agency you filed errors on your reports with haven’t make changes, it’s likely that the bank or store you are trying to deal with have another report about you, possibly from another agency.
So anytime that you are denied credit, you have the right to know why you were turned down! If the bank or stores used a credit report agency, they must provide you with the name and address of the agency that supplied them with the report.
Once you have the contact information of the agency involved, you should make an appointment to visit the credit agency, so that you can review your report, find out information that is causing you to be denied credit, and make corrections if you have enough evidence to proof.
When you are visiting the agency make sure that you present yourself very well. You must dress modestly as your appearance will surely tell the agency staff more about you. If possible take a friend along with you to be a witness to whatever it’s said.
You have to be very careful when you get to be bureau, don’t let the representative of the credit bureau confuse you with unnecessary terms or even upset you in any way. If there is anything you don’t understand, ask to have it explained again.
Don’t be afraid to demand explanation where you feel the agency is wrong. If there is any information in the report that is not true, point it out, and have it investigated by the agency.
Once the agency correct the error you have right to demand that the bureau send correct copies of your report to all creditors who have received the incorrect reports before.
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