“Credit reports are the foundation of consumers’ financial lives” said CFPB Director Richard Cordray. “Consumers continue to express their frustration about inaccurate information on their credit reports and difficulty in getting these errors fixed. We will continue to work to ensure that credit report disputes are investigated, errors are fixed, and consumers are treated fairly.”Read More
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The credit bureaus have five business days once it has completed the reinvestigation to notify you of the results.Read More
Unpaid tax liens can remain for 15 years. Paid tax liens will remain for seven years from the paid date, even though it may mean the item remains for longer than 15 years total.
Your score will range between 300 and 870 and, of course, the higher the better. As your score increases, your credit risk decreases. Exact numbers differ by lending institution but the average high approval score is 680 or above. Often times your score is taken from all three credit reporting companies and the middle score is used.Read More
Any company that denies your application must supply the name and address of the credit bureau they contacted, provided the denial was based on information given by the credit bureau.Read More
Documentation beats confrontation. Document, Document, Document every person that you talk to, every conversation so that you can refer back at all times.Read More
"The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
"The Public Reference Branch
"Federal Trade Commission
"Washington, D.C. 20580".Read More
Six Tips To Help You Protect Your IdentityRead More