FCRA LAWS FREE DOWNLOAD
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Here are all of the consumer laws that you will need, in order to remove certain items from your credit. Please keep in mind that you can use these laws at your own discretion.
What Is Credit?
Credit is the ability to borrow money or access goods or services with the understanding that you'll pay later. Ranging in a score of 380-850, your score depends on how the bureaus deem you to be financially responsible when it come to paying off the money you borrowed.
Get a FREE copy of your credit report
Annualcreditreport.com
You can order all 3 of your credit reports for free once per year.
Disputing Credit:
Disputing Inaccurate Information
611 - 15 U.S.C 1681i
Summary: If an item disputed by the consumer is found to be inaccurate, or incomplete or unverifiable the consumer reporting agency must delete such information.
Consumer Finance Protection Bureau(CFPB)
Consumerfinance.gov
In summary this is a federally regulated company/ website that enforces federal (consumer) laws, acting as a portal for consumers to submit their disputes, holding businesses and consumer reporting agencies accountable or their wrongful practices. This company also keeps a record of your disputes, documenting everything in your defense in case you may need to escalade your issues.
DO NOT SIGN YOUR DISPUTE LETTERS
Contrary to popular belief you should never sign your dispute letters, as the bureaus will try to use it against you. They'll also try to match your signatures on credit accounts with the one on your drivers license in order to validate it when you use certain consumer laws.
Here is a HOW-TO video for beginners
How to speak to a representative
Main Phone Number For Each Credit Bureau:
Equifax: 1-888-548-7878
TransUnion: 1-800-916-8800
Experian: 1-800-493-1058
Instructions:
Equifax: 1-888-548-7878- (Press '3')
TransUnion: 1-800-916-8800 (press '1' if english>> Say 'Dispute credit report' >> don't press anything when it asks for zipcode>> wait to be transferred to someone
Experian: 1-800-493-1058 (Enter SSN and possibly zipcode ) >> Say 'credit questions' >> Say 'Different questions' >>>wait while you are transferred to someone))