The e-Oscar system may result in credit disputes with supporting documentation being ignored by the credit bureaus. The e-Oscar method of investigation takes a short-cut in investigating credit disputes. Find out what can be done to get your credit dispute manually reviewed.
Consumers have the right to request the method of verification when credit bureaus do not properly investigate credit disputes or if you simply disagree with the credit bureaus decision. Method of verification forces credit bureaus to prove how they verified your dispute.
The Fair Credit Reporting Act Compliance Date determines how long a negative item remains on your credit reports by calculating the original date an account became delinquent – it’s also referred to as the original delinquency date. Make sure outdated information is removed.
Creditors may write-off seriously delinquent accounts in the form of a charge-off but that does not mean you are free and clear from paying the debt.
The creditor that furnishes negative information to a credit report is obligated to investigate consumer disputes under the Direct Dispute Rule. Go directly to the source (the creditor) to dispute inaccurate credit report items.
25 easy credit fix tips to improve credit scores. Make your financial life a little easier with good credit scores.
Credit inquiries can remain on a credit report for 2 years. There are two types of credit inquiries – one impacts your credit score and one does not. The two types of credit inquiries are a hard inquiry and a soft inquiry. A soft inquiry occurs when you pull your own credit report or a creditor pulls your report…