Your Credit Report – Critical To Buying a Home and Obtaining a Mortgage

inform the bureaus about any inaccurate or disputed information in your credit report. This should be in writing, and by certified mail. Take the steps to go to the source of the inaccurate information. Write to the source directly by certified mail, and include any relevant information that you may have.? Send the information to all three the credit bureaus. They are: Equifax (P.O. Box 740241, Atlanta, Ga. 30374, 800-685-1111); Experian (P.O. Box 2002, Allen, Tx. 75013, 888-397-3742) and TransUnion (P.O. Box 1000, Chester, Pa. 19022, 800-916-8800).

Consumers have certain rights under the Fair Credit Reporting Act. Among them are:

? The law requires the bureaus to investigate written disputes within 30 days.? The bureau is required to forward to the provider of the information all the data you provide.? You have a right to amend your credit report with a statement relevant to a particular dispute.? Non-compliance can be reported to the Federal Trade Commission at 877-382-4357, or in writing to the Consumer Response Center, CRC-240, Federal Trade commission, Washington, D.C. 20580.

For obvious reasons, your credit is very important to you, and no one will be as interested in your credit history being accurate as you. Your financial well-being is highly dependent on your tenacity on the subject of your credit history.

For answers to specific questions about managing credit visit http://www.onlinemortgageresources.com <http://www.onlinemortgageresources.com> and leave a comment or email mr@onlinemorgageresources.com <mailto:mr@onlinemorgageresources.com>. A free credit analysis is available at www.1stchoicefamily.com/roche1 <http://www.1stchoicefamily.com/roche1>. They are also the premier legal source for resolving derogatory credit issues at a reasonable cost.










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