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Fixing Credit Errors Step By Step

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Fixing Credit Errors Step By Step

  • If additional information is requested, send your letter by certified mail, return receipt requested, so you can document what the CRA received.
  • The FCRA mandates that all CRAs re-investigate the items in question – usually within 30 days – unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the credit card company. After the credit card company receives notice of a dispute from the CRA, it must investigate, review all relevant information and report the results to the CRA.
  • If the disputed information is found to be inaccurate, the credit card company must notify all nationwide CRAs so they can correct this information in your file.  Disputed information that cannot be verified must be deleted from your file.
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    Since relocating from Northern Michigan in 2007 I have lived in Garner (27529) with my wife Melanie and our four children. With personal production of 8MM in real estate sales across Southern Wake County I am considered to be a local market expert in the following communities: Garner (27529), Fuquay-Varina (27526), Holly-Springs (27540), Apex (27502), and Raleigh (27603, 27604, 27606, 27609, 27610)) which spans from downtown Raleigh to Willow Spring including Lake Wheeler. Call or email me, I’m here to help! Ricardo Cobos (919) 526-0183

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