PART TWO
creditaccuracy.com
Dirty data

     
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Congress: Please, don't miss CASE 5.

Credit report corrections

Free annual credit report - Every American's right.
  • The Credit Reporting Agencies
  • The Government
    • FTC:
      • "How to Dispute Credit Report Errors"
      • "Building A Better Credit Record"
      • "Credit Repair: Self Help May Be Best"
        Every day, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can't deliver.
    • Federal Reserve (adult supervision)
      • Filing a Credit Complaint - "A person who obtains a credit report without proper authorization or an employee of a credit-reporting agency who gives a credit report to unauthorized persons may be fined up to $5,000 or imprisoned for one year or both."
      • YOUR CREDIT RATING: What It Is and Why It Is One of Your Most Valuable Possessions
      • Your Credit Report: What It Says About You - "Cases of mistaken identity, out-of-date information, and outright errors can easily occur."
    • National Association of Attorneys General: Look Out for Post-Holiday Credit Counseling and Credit Repair Schemes
    • Colorado: EVERYTHING YOU SHOULD KNOW ABOUT CREDIT REPAIR
    • Massachusetts: Managing Credit and Debt
    • Ohio, Attorney General: "In Ohio it is illegal for a company to charge an advance fee for these so-called services."
    • Ulster County, New York: Your Credit Report - Know Your Credit Reporting Rights
  • Others
    • Bankrate.com: 7 steps to fixing your credit report - "[creditscoring.com and creditaccuracy.com author] Fisher is a fan of going by the book and then beyond it."
    • Quicken: How To Dispute Information on Your Credit Report
    • NFCC: Credit Facts
    • Nolo: "What should I do if I find mistakes in my credit report?"
    • Kiplinger: How to Check (and Fix) Your Credit Report