Amazon.com: Instant Credit Repair: Simple, Fast & Easy Forms for Great Credit: Books: James J. Shapiro



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Amazon.com: Instant Credit Repair: Simple, Fast & Easy Forms for Great Credit: Books: James J. Shapiro

Congress passed The Fair Credit Reporting Act (FCRA) because they felt we all deserve a second chance. This act gives you the right to correct, update, amend and tell your side of what happened to the credit community. These laws do not work though unless you initiate and use them.

Amazon.com: Instant Credit Repair: Simple, Fast & Easy Forms for Great Credit: Books: James J. Shapiro

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Amazon.com: Instant Credit Repair: Simple, Fast & Easy Forms for Great Credit: Books: James J. Shapiro

If the Credit Bureaus were able to verify any disputed information as correct, it would remain on your credit file. So you'll need to contact the creditor who is reporting the information. The creditor who reported the item is listed on the left or bottom of your credit file. If their phone number is not provided, call directory assistance in their city and ask for the creditor's telephone number. Call and ask them to mail you written proof and documentation that this is actually your account, since you do not believe the account belongs to you.

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