What you cannot control (Part 1)1. First you want to start by finding all the errors in your file. This means that you will have to have a CURRENT COPY of your file. Your file changes daily and you should NOT dispute off an old file. This is why having a monitoring service is so important.2. Write them down on a sheet of paper or type them up.3. Dispute each account with the Credit Bureaus and wait for them to respond.4. Keep records of all your disputes and any communication via correspondence.5. Write the company who is reporting your file to the credit bureau. This is the step that is very important. Often times, the credit bureau will not investigate your dispute and leave you to do all the work. This is a big problem in the system. The credit bureau will leave you hanging to deal with the creditor who is already reporting the information wrong. The reason you want to write the collection company is because “you” want to create a paper trail that you have made every attempt in correcting your file.6. After about four attempts working with the creditor bureau and collection company, it’s time to file a complaint. It is sad, but if you don’t file a complaint, there is no way for the federal government to know that these companies are not following the guide lines in reporting.7. You cannot control unpaid bills on your credit file UNLESS they are reported wrong which is what happens 90% of the time. These companies are getting away with this and YOU, the consumer is letting them. Unpaid bills will remain on your file for seven years, EVEN when you pay the bill. Again, there is no way to get a legal unpaid bill off your file UNLESS, it is reported incorrectly.8. Consumers must learn to identify the illegal reporting of each bad account. Your account can be reported wrong by date open, amount owed, etc. Consumers should look for old documents to help them identify important dates and how much your bill (AMOUNT OWED) really is.What you can control (Part 2) is located on my BLOG network www.creditadviseforyou.ning.com
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