The free online credit report is an important piece of information for anybody. It can affect lives both positively and negatively. So you need to make sure that your free online credit report is error free. You must make sure that it is completely in the way it should be. It should not contain any false information. It should contain only that information that you have actually practiced yourself.
Step 1
For this, you have to take a look at your free online credit report regularly. You must check your free online credit report at least once a year. In this article, we will provide you with 10 tips for improving your free online credit report.
Step 2
1. Stay calm; it is bad, but worse things have happened to you. Keep calm and the thing could be solved.
2. Take a print out of Free Online credit report and circle all the information, which you think, is wrong.
Step 3
3. Attach the free online credit report and attach a letter for the reporting agency. All the information you think is false should be explained. You should clearly explain how you think it is wrong. It is best to have supported documents with it. Don’t send original papers, instead send photo copies. So if then dispute continues than you should have the original documents for your defense.
Step 4
4. When did with the paper work, send the article to the reporting agency. You must send all the details with registered mails. Also, make sure that you get a receipt. You must have proof that the documents have been sent to the reporting company.
Step 5
5. Make two copies of the letter you have to send to the reporting company. Send the 2nd copy the crediting company on whose statement you have a problem with. Get the correct addresses. Often the addresses on the free online credit report are not valid for dispute resolution.
6. If the information regarding your personal details is incorrect, then you should attach an official document as a proof. Driver’s license or a utility bill in your name should be mailed.
7. The reporting agency will start an inquiry and check about your claims. If your claims are accurate, then changes will be made. The reporting agency will contact your creditors and recheck the details. If any changes are made to the report, than they are liable to send you a free online credit report. This report should be free of cost.
8. If the free online credit report had errors in it, you have the right to order a correct copy of the Free Online credit report to all the places your report had been sent the period of past six months. This also is free of cost.
9. One more thing you can do is contact your creditor 1st and give some head time to your reporting agency.
10. You can also apply for an online investigation about errors in free online credit report. You should provide details in the link. You will be given options on what kind of dispute there is. Online you will not be able to leave remarks.
