Find out more on Debt Consolidation Credit Counseling In Phoenix Now!
Thursday, February 12, 2009
The Experian Credit Bureau is one of the three major reporting companies. They keep a credit file about every consumer.
This information is gotten from lines of credit that you have including; credit cards, store credit, cell phone suppliers, banks, credit unions, or mortgage companies. All these companies report your payment history, balance, and other information to the bureaus.
They gather all the data they receive from lenders into a credit report. When you apply for a new credit line, a lender pays to pull your report. Prospective employers are allowed to pay to see your report, also.
They were founded in 1980 in Nottingham, England. Their headquarters are located in Dublin, Ireland, but the company has U.S. operational headquarters in Costa Mesa, Calif., and Nottingham, United Kingdom.
It is the newest of the three big agencies, but that does not mean it is not respected. They employ approximately 15,500 people in 38 countries and support clients in more than 65 countries.
Annual sales for this international corporation are estimated to be nearly $4.1 billion. They are listed on the London Stock Exchange under the tag EXPN, and are part of the FTSE 100 index.
To check your report, you can visit Annual Credit Report and request a free copy. This service can only be used once a year. You can also visit Experian to access your report at a fee.
When you check your report you may find errors. If this is the case, you must dispute these errors.
To dispute a mistake on your credit you must create a dispute letter and mail it to them. In your letter you will provide an explanation as to why the mark is in incorrect.
Reasons include; not my account, out of date, information is wrong, and etc. Its very important to know that getting an error corrected can be very time consuming and cumbersome.
That is why many employ a service to dispute errors on their report. Additionally it can be very frustrating trying to get a bureau to investigate a dispute.
The Fair Credit Reporting Act gives consumers the right to dispute any questionable item on their report. A questionable item is defined as any item you can not identify.
Contrary to popular belief it is not illegal to dispute an accurate mark on your credit. You will not face arrest, or fine. It is your government protected right to dispute any item on your report.
This information is gotten from lines of credit that you have including; credit cards, store credit, cell phone suppliers, banks, credit unions, or mortgage companies. All these companies report your payment history, balance, and other information to the bureaus.
They gather all the data they receive from lenders into a credit report. When you apply for a new credit line, a lender pays to pull your report. Prospective employers are allowed to pay to see your report, also.
They were founded in 1980 in Nottingham, England. Their headquarters are located in Dublin, Ireland, but the company has U.S. operational headquarters in Costa Mesa, Calif., and Nottingham, United Kingdom.
It is the newest of the three big agencies, but that does not mean it is not respected. They employ approximately 15,500 people in 38 countries and support clients in more than 65 countries.
Annual sales for this international corporation are estimated to be nearly $4.1 billion. They are listed on the London Stock Exchange under the tag EXPN, and are part of the FTSE 100 index.
To check your report, you can visit Annual Credit Report and request a free copy. This service can only be used once a year. You can also visit Experian to access your report at a fee.
When you check your report you may find errors. If this is the case, you must dispute these errors.
To dispute a mistake on your credit you must create a dispute letter and mail it to them. In your letter you will provide an explanation as to why the mark is in incorrect.
Reasons include; not my account, out of date, information is wrong, and etc. Its very important to know that getting an error corrected can be very time consuming and cumbersome.
That is why many employ a service to dispute errors on their report. Additionally it can be very frustrating trying to get a bureau to investigate a dispute.
The Fair Credit Reporting Act gives consumers the right to dispute any questionable item on their report. A questionable item is defined as any item you can not identify.
Contrary to popular belief it is not illegal to dispute an accurate mark on your credit. You will not face arrest, or fine. It is your government protected right to dispute any item on your report.
About the Author:
For a free credit consultation call 1-866-246-7311. Or for a free credit repair letter used to dispute bad credit. Or for a free online credit repair e-book visit us.
posted by Credit Counseling at
1:03 PM
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