Additional Tips For Solving Credit Problems - CREDIT RIGHTS

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TODAY'S SAVING TIP  Write or call one or all of the major consumer reporting agencies, listed below: Include your name, address, telephone number, previous addresses ( for the last five years), your Social Security number, and your date of birth. If you are married, ... Read more
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CREDIT RIGHTS: Additional tips for solving credit problems


  • If you want to contest a credit report, bill or credit denial, contact the appropriate company in writing and send it "return receipt requested."
  • When you contest a billing error, include your name, account number, the dollar amount in question, and the reason you believe the bill is wrong.
  • If in doubt, request written verification of a debt.
  • Keep all your original documents, especially receipts, sales slips, and billing statements. You will need them if you dispute a credit bill or report. Send copies only. It may take more than one letter to correct problems.
  • Be skeptical of businesses that offer instant solutions to credit problems. Be persistent. Resolving credit problems can take time and effort.
  • There is nothing that a credit repair company can do for you — for a fee — that you cannot do for yourself for little or no cost.

    If you can't resolve your credit problems yourself or if you need help, you may want to contact a credit counseling service. Nonprofit organizations in every state counsel consumers in debt. Counselors try to arrange repayment plans that are acceptable to you and your creditors. They also can help you set up a realistic budget. These services usually are offered at little or no cost.

    ADDITIONAL CREDIT RIGHTS RELATED FACTS

    You Must Be Told If Information In Your File Has Been Used Against YouYou Must Be Told If Information In Your File Has Been Used Against You
    Fair Credit Reporting ActFair Credit Reporting Act
    Fair Credit Billing ActFair Credit Billing Act
    Fair Debt Collection Practices ActFair Debt Collection Practices Act
    Learn What Your Credit File SaysLearn What Your Credit File Says
    Change The Terms Of Your CreditChange The Terms Of Your Credit
    Cancel Your Credit RepairCancel Your Credit Repair
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