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How do you dispute judgements on your credit report? |
I have 2 judgements on my credit report that aren't true. I am trying to clean up my credit without paying someone $700.00. Please help if you know anything about getting inquiries and other old accounts, and accounts that doesn't belong to me. In accordance to the Fair Reporting Act, you need to dispute the charges to the 3 major credit bureaus( Experian, Transunion, and Equifax). They are required to notify any entity that has placed a disputed claim. This is a little bit of a joke as the entity only has to respond that they have documentation proving sum is owed, but the credit reporting company will provide you with the information needed to rectify the problem. Working with the courts is going to be difficult, but not impossible. To speed up the process you can hire an attorney, but it may cost more than the judgments themselves. Hope this helps.Here ya go: http://www.ftc.gov/bcp/edu/pubs/consumer... From Visa Site: How can I dispute a charge on my Visa card? Our Member financial institutions issue cards and are responsible for all billing and account management inquiries. Visa has no access to, nor jurisdiction over, accounts. We suggest you address your questions to the financial institution that issued your Visa card. You can contact them directly, using the address or telephone number on your Visa statement or on the back of your card. http://www.visa.ca/en/about/askvisa/faq_... You will have to contact the credit bureau. They have dispute forms you can fill and submit. My sister's credit stuff was under mine for awhile and I didn't know until I saw my credit report. If you dispute this the the credit bureaus, they will take care of the rest. You can dispute all you want to. It won't do any good. I know first hand. I disputed charges before they ever went on my credit report. They went on anyway. That's what I love about America. Screw the poor. |
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