What can I expect from a lawsuit involving an impermissible pull? Q: In summary, what should a consumer do if he or she has to deal with false or inaccurate derogatory marks on a credit report?
Step 1: Gather all of the evidence you can get your hands on showing that the mark is false or inaccurate. This may be letters from creditors, cancelled checks, invoices marked Paid, subsequent bills from the creditor showing that a bill or a late fee has been paid, forms showing that a judgment has been paid or satisfied, etc. Step 2: Prepare a letter to be sent via certified mail, detailing exactly why the derogatory mark is false or inaccurate, and attach copies of any and all documents you have showing that the derogatory mark is false or inaccurate. Request in the letter that the derogatory mark be deleted or modified to make it more accurate within 30 days. Keep the original documents for yourself, and keep a copy of the letter, along with the certified mail receipt. Step 3: Send the letter, via certified mail and with all of the evidence attached, to the original creditor, to any debt collectors involved and to the credit bureau or bureaus which have reported the inaccurate dero
Related Questions
- What can I expect from a lawsuit involving an impermissible pull? Q: In summary, what should a consumer do if he or she has to deal with false or inaccurate derogatory marks on a credit report?
- What is the Advanced Credit Repair definition of "clearing up" a consumers credit report or improving their credit profile?
- What can I expect from a lawsuit against a creditor or credit bureau that publishes a false or inaccurate derogatory?
