by admin /
January 4, 2021 /
Credit Reporting Errors
Credit Error FAQS: Answered
The age-old consumer problem of credit errors is unlikely to go away any time soon, since credit reporting systems don’t seem to be evolving and the importance of credit histories is becoming increasingly relevant. Since we’re stuck with the current system, the best way to make sure your credit position is at its best is to learn about credit reports and how reporting works. Here are some basic FAQs I’m asked about as a credible credit lawyer in St. Louis and Chicago.
How Do I Get a Credit Report Copy?You can call, mail or send an online order to get a copy of your credit report from the credit reporting agency of your choice to get a copy. Mail is widely thought to be the most reliable way to get a copy of your credit report. Equifax, Experian and TransUnion are the most recognized credit reporting agency in the US, but that doesn’t mean they’re the only credit reporting organization. The Federal Trade Commission releases a list of verified companies for background checks, credit reporting, tenant screening and more that you can check out too. All agencies under the credit reporting guidelines provide one free copy of your credit report once every year and are also required to get you a free copy if you’ve experienced identity theft.
What Credit Report Errors Should I Look For?There are some very strange errors like reported as dead, but some credit report inaccuracies can hurt your financial position. These are:
- Duplicate item entries
- False convictions or public record entries
- Incorrect payment history or debt details
- Negative items from more than 7 years ago
- Zombie Debt
- Identity theft items
- Item mix-up with someone else’s files