Fixing credit reports is a major issue for many individuals

Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information to assist you in fixing credit reports. To protect all your rights under the law, contact both the CRA and the information provider. When fixing credit reports tell the CRA in writing what information you believe is inaccurate. Include copies of documents that support your position, include a letter outlining all relevant information. Send your letter by certified mail and keep a full copy for yourself. CRAs must reinvestigate the items in question, usually within 30 days. They also must forward all relevant data to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review and report the results to the CRA.

When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. Also, if you request, the CRA must send notices of corrections to anyone who received your report in the past six months. This process should assist you in fixing credit reports.

In addition to writing to the CRA, tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. This too will help in fixing credit reports. This is the best source to secure your free report!

About The Author:

Alan Zunec is a successful author and regular contributor to http://www.best-loans-online.com. A source for auto, cash, home, mortgage, payday loans , along with great information pertaining to credit cards and credit reports.