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Denied Due to Bad Credit?Bad Credit, such as chargeoffs, judgments, and other negative listings can be deleted and removed from your credit report. |
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how to remove a bankruptcy from a credit report |
Reviewing Your Credit Report When reviewing your credit report, you want to look for these types of inconsistancies, above and beyond what you believe to be false. INACCURACIES TO LOOK FOR: ACCOUNT NUMBER WRONG-Is this an account that is a duplicate of something else,but with a wrong number? DATE OF ACCOUNT WRONG- Are the dates the account was opened inaccurate? STATUS WRONG-Do they have something listed as Profit and Loss when you know it was taken care of or sold to someone else? BALANCE WRONG-If the account was sold and is still reporting you owe money, this is an example of an inaccurate account. LATE PAY HISTORY WRONG-Are your payments recorded incorrectly? This affects the most recent date of when you where actually late. This is something to have investigated. ACCOUNT TYPE WRONG-Is the account listed as something it is not? Repossession, a charge off, profit and loss.etc.... INCONSISTENCIES TO LOOK FOR: DUPLICATE ACCOUNTS-These are the most troublesome. Figure out which account is the correct one and dispute the one's that would "technically" not be your account. NEVER LIVED IN AREA OF RECORD-If your public records show a court records and you know you never lived in that area, this is most likely inaccurate. ACCOUNT SHOWS OLDER THAN ACTUALLY IS- It's possible, and an account may have the incorrect open date, or it may be opened before you were of legal age. This account would typically be disputed as account not yours. PAST ADDRESS WRONG-Make sure you have past addresses listed correctly, otherwise, you may have someone in another part of the country using your identity. Make sure the bureaus know you never lived there. PERSONAL INFORMATION WRONG-These errors will not hurt your credit score, but it could be a sign that someone might have used your identity somewhere else and changed some details.
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