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Mistakes & Disputes

Reasons for mistakes on your credit report

  • The individual has applied for credit under several different names
  • Someone made a clerical error in entering information
  • Mix ups with common names.
  • The individual gave an inaccurate Social Security number or the number was misread by the creditor.
  • Loan or credit card payments were inadvertently applied to the wrong account.

No matter what the reason, the erroneous information could reflect poorly on your credit file, thus causing approval problems when the time comes to apply for a job or obtain a mortgage. If you find errors, no matter how small, be sure you get them fixed, and make sure that you contact all three credit bureaus with your change.

If you do encounter a mistake on your credit report, several steps need to be taken to correct the matter:

  1. The first thing to do is get a copy of your credit report from each of the three major bureaus annualcreditreport.com
  2. In a written letter or online, tell the CRA (Credit Reporting Agency) what information you believe to be inaccurate. Include copies (not originals) of documents that support your position. Provide your complete name and address, identify each item in your report you dispute, and request deletion or correction. Be sure to make copies of your dispute letter and enclosures.
  3. Send your letter by certified mail, return receipt requested, so you can document what the CRA received.
  4. The Fair Credit Reporting Act (FCRA) mandates that all CRAs reinvestigate the items in question — usually within 30 days.
  5. If the disputed information is found to be inaccurate, the credit card company must notify all nationwide CRAs so they can correct this information in your file. Disputed information that cannot be verified must be deleted from your file.
  6. When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change.
  7. In addition to the CRA, you should also write to the credit card company about the error. Again, include copies of documents that support your dispute.

Latest Blog Post

February Education Series for Realtors: All Things Interest Rate

Rates:  How they work. What affects them. How to sell using rates in today’s market.

Rates have been a hot topic for the last few years.  As they plummeted into the low 3’s when COVID hit and then essentially double in 2022 when the country experienced huge inflation numbers.  This will not be a boring presentation about rates.  We are going to touch on what’s going on overall with rates. However, the main purpose of this event is to show you how a rate is determined for an induvial buyer.  We will talk about things buyers can do to help improve the rate they are being offered.  We will talk about programs that have very attractive rates and discuss things sellers can do to help lower the rate for a buyer.  A lower rate equals more buying power for a home buyer and everything we cover will help agents sell more homes in 2023.    The market is back to normal and it’s still a great time to buy.

Hot Topics We Will Cover

Here is a list of some of the things we will cover during the event:

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