 |
Family Business Advisors
Selected Newsletter Articles
Business Owners Profiled
B2B Peer Groups
Effectiveness Strategies
Financial Growth Resources
Strategic Conversations
Strategic Planning Toolkit
Leadership Development
Experience Exchange
Managing Differences
Association Presentations
Family Business Forum
Search iBizResources.com
Search The Entire Internet
Locate Congress @ Home
2,000 Contributed Articles
Breaking News 24/7/365
Keep informed, add our breaking news feed to your web site.
eBay's Most Popular Searches We have the 3,000 most searched for items, listed alphabetically.
Thousands of Government Programs...
publications, programs, grants, and documents. A free search engine for you!.
Take Control Of The Internet! Connect with prospects, vendors, suppliers, customers, the media - put the Internet to do for you TODAY!
Add Instant Audio...
to your web site. It will revolutionize how you connect with prospects, customers & clients!
Leadership University
Professional development systems for individuals and organizations!
Small Business Marketing Attract new customers, sell more to your existing customers, and bring them back more often!
Email Marketing Resources Manage all your email, newsletters, messages, and mailings from ONE user-friendly Message Control Center!
Strategic Conversations
Enhanced communications for life. Revolutionize your professional & business effectiveness!
Database Marketing System
Keep in continual contact with your prospects and clients. Competitively priced for companies and professionals!
Sales Training Process
Learn how to find, identify, and sell to the people most likely to buy your products and services!
|
©1999-2007 www.iBizResources.com
® All rights reserved
|
|
 |
Errors on Your Credit Report: What You Should Do
Read What Others Are Saying. Add Your Comments Too!
There are times when you may be turned down for credit and you do not understand why. According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for credit, if you are unemployed but looking for work, are on welfare, or believe that your credit report is incorrect because of fraud. You may also receive a copy of your credit report for a small fee at any time in which you want to review the information contain therein.
If you dispute any of the information on your credit report, there are steps that you, the credit reporting agency and the information provider must take to have the information corrected or deleted form your report.
1. You should contact the credit reporting agency and request that the inaccurate information be taken off. To do this you will need to send a letter of request and enclose a copy of the report with the incorrect information highlighted. Send your request certified mail and indicate that a return receipt is requested.
2. The Credit reporting agency will forward the request to the information provider at which time they will review and investigate the request. If the information cannot be verified, then they must remove it. They can either correct or deny the request to change the information. They will then send their findings to the credit reporting agency.
3. If the information provider finds that their was an error they will provide written proof of the change and send a copy of the report to you, the credit reporting agency and anyone who has requested a copy of your credit report in the last six months.
4. If the information provider finds that there was no error, you can request that the credit reporting agency send a copy of the disputes with any report that is requested by creditors. You can also provide an explanation of a negative report in 100 words or less that will be included in any reports to creditors. Another alternative is to pay the debt, which would require the creditor to report the debt paid.
You should also be aware that negative reports will remain on your credit for up to seven years at which time they will be deleted in most cases. There are some exceptions, these include, bankruptcy, which can be reported for up to 10 years, and loans or life insurance policies which are in excess of $150,000.00, or criminal convictions, which can be reported at all times.
About the Author
Timothy Gorman is a successful webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and free debt consolidation information that you can research in your pajamas on his website.
By: Tim Gorman
Reader's Comments:
<< Back to More Articles
|
|
