What Can You Do About Credit Report Errors?

credit report errorsIs there anything you can do about credit report errors?

YES!  If you find errors, you can contact the three main credit reporting agencies:

  • Equifax

  • Transunion

  • Experian

To dispute a Credit Report Error, you will need to go online and fill out a dispute form or write a letter to:


Equifax (800) 238-8067
Mail to:
Equifax Disputes
PO Box 740256
Atlanta, GA 30374-0256


Experian (714) 830-7000

Mail to:
Attn: Disputes
475 Anton Blvd.
Costa Mesa, CA 92626


TransUnion (800) 916-8800
Mail to:
TransUnion Consumer solutions
PO Box 2000
Chester, PA 19022-2000

What do you need to dispute a Credit Report Error?

  • A statement or settlement letter from the creditor showing that the account balance was paid or settled-as-agreed
  • A copy of the canceled check proving payment was received

Follow up in about 2 weeks if you do not receive any confirmation that the error has been corrected.


The Federal Trade commission (FTC) has good information on how to correct credit report errors.  CLICK HERE

For a FREE Credit Report, go to www.annualcreditreport.com.

If you need professional help, we have been helping clients for almost 10 years to settle debts for much less than they owe!

For mor information on fixing Credit Report Errors or to get help eliminating your debt, Give us a call!


or Click on the link below

Credit Report Errors







Tags: credit report errors, ftc, credit repair, credit report dipute

What is Fair Debt Collection?

I've been getting abusive calls from collectors and want to know: "What are the rules of Fair Debt Collection?"

The Federal Trade Commission (FTC), is the nation's consumer watchdog and enforces the Fair Debt Collection Practices Act (FDCPA). The FDCPA covers almost all debts, but doesn't cover debts incurred to run a business.

Can a collector contact me any time or place about my debts?

NO!  A collector my not contact you before 8am or after 9pm.  They may not contact you at work if they are told (verbally or in writing) that you're not allowed to get calls at your job.

I have told them to stop calling me both at work and home, but they ignore me. Is there anything I can do?

YES!  The FDCPA states that after consumer has requested the collector to stop calling, in writing, the collector must stop or be in violation.

How do I do that?

You need to write a letter and mail it by certified mail. To learn exactly how to do this, click below:

 Fair Debt Collection

Can a collector contact anyone else about my debts?

A collector may only contact other people to find out your address, phone number and where you work, and they may only do that once!  They are not permitted to discuss your debt!

A collector was abusive and told me that if I didn't send them so much money by the end of the month I could go to jail!

First, no one goes to jail over an unpaid, unsecured debt! PERIOD! That type of language is not typical of collectors, but it does happens from time-to-time.

The FDCPA states that a collector MAY NOT:

  • harass, opress, or abuse you or any third parties they contact.
  • use threats of violence or harm.
  • use obscene or profane language or
  • Use the phone repeatedly (calling 10 times/day!) to annoy you
  • falsely claim they are attorneys if they are not
  • claim that you have committed a crime
  • say that you could be or will be arrested if you don't pay
  • say that they will seize, garnish, attache or sell your home or property if such action is prohibited by law (99% of the time it is!)
  • send you anything like an official document from a court or government agency if it isn'ta government agency.



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What a Debt Collector Can and Cannot Do

The Fair Debt Collection Practices Act (FDCPA) clearly states what a debt collector may and may not do when contacting you in an attempt to collect a debt.  Harassment is the single most prohibitive action.  They cannot harass or use abusive language when speaking to you or when speaking to any third party that may be helping you.

For example:

  • A creditor is NOT permitted to contact you before 8am or after 9pm.
  • A creditor is NOT permitted to contact you at work after you have requested them not to by mail or fax.
  • A creditor is NOT permitted to use obscene or profane language when speaking to you.
  • A creditor is NOT permitted to make false statements, such as threatening to take actions that they cannot take or have not intention of pursuing.
  • A creditor is NOT permitted to use threats of violence.
  • A creditor is NOT permitted to publish a list of names of people who refuse to pay their debts.

If you feel a collector has violated your rights, you may contact your state Attorney General's office www.naag.org and the Federal Trade Commission www.ftc.gov.

To learn more about debt collection practices and your rights under the law, visit http://bit.ly/9SxgYF.  

Tags: debt collection, fair debt collection practices act, fdcpa, debt collection harassment, wage garnishment, ftc, federal trade commission, credit card debt