I’m willing to bet that you have never really thought twice about your credit report. I am also willing to bet that you have a crisis and you are scrambling to put all the pieces together. I had a friend by the name of Julia who completed an application for an apartment. Eliminated her lease on the old apartment, and was days away from moving in. At the last moment the apartment complex denied her application due to her credit.
Julia called stressing out. She had know idea how to handle this unfortunate situation. I explained to her that, “The Fair Credit Reporting Act” allowed every American one copy of their report per year. After pulling her report Julia was shocked to find that not one of the negative marks on her report belonged to her.
Julia and I continued to the next step in the credit repair process. We identified each negative ding on her credit report. I advised Julia to go through her records and try to find any proof that would show that these were errors on her report.
Julia was almost ready to send off her letter of dispute. You must mail your letter of dispute by certified mail. This will be the only proof of the time and date in which you mailed your dispute claims.
It is crucial that you do not neglect the aforementioned step. If you do it could cost you in the long run. The credit bureaus have 30 days to investigate your claims. If they fail to do so during that time according to the law they must remove the marks in question. It is you that must have proof.
The mission of this article was to educate you on the fact that you could get your free credit bureau report. I decided to do so by sharing a true story of a close friend of mine. However I strongly advise that you educate yourself on the credit repair process.
