If you're checking your credit report regularly, you should be looking for more than your credit score. You should also check for mistakes on your credit report and make sure all the information is accurate. If you find a mistake on your credit report, you will want to file a dispute with the three credit reporting bureaus. By law, the credit reporting bureaus are required to address your dispute within 30 days. Sometimes the credit reporting agency can come to a quick resolution, but other times, it may take longer to come to an agreement with the lender. Either way, watch your credit report very carefully for any false information and file a dispute immediately.
Its a scam alright. Equifax has placed false information on my credit report 3 different times and this is within 1 .5 year. I always check it and I have lost a job because of it. Quite simply anyone can placed false info on your credit report and the credit agencies WILL PLACE IT ON THERE.
creolelady182 5 months ago
One if the biggest errors is caused by your own credit card companies on PURPOSE. They have a dirty little trick. They purposely fail to report your credit limits to the credit bureaus in order to keep your name off mailing lists other competing cards look at to send you offers in the mail. When they don't report your credit limit to the bureaus it makes you utilization rate (30% of your overall score) look to them and lenders as if you're maxed out on your cards even with just a $1 balance.
TranceScene 1 year ago
the whole lot is Ponkers and a SCAMMMM
themaninthevan0 2 years ago