Can someone tell me how to find my beacon score on my cr? And also I have some accounts that say written off or charded off should I still pay? They are fro 99,00, 01. Also if you dispute the same thing o n a trans union report do you have to dispute it on exp. and equif.?Please help me get my credit back on track!!!!
Each CRA is separate and your communications with each one should be independent of the others. Dispute these write-off's and charge-off's as "Not Mine"(if you haven't done so already).
can you tell me how to do this with EQ. and EX.? I went online and disputed some with TU. They said they were past due and paid late or still open. ( I disputed and said they are paid off and were never late and the acct. is now closed.)
It is probably better to do you next disputes by letter. Below is the sample dispute letter from this board. As far as score goes, go to http://www.myfico.com and purchase your FICO/Beacon score and Equifax credit report. You do not get the score free from either Equifax or Experian. TransUnion includes a score with their reports but it is not the same as the one they sell to lenders. Don't dispute more than three accounts at a time with each credit bureau. This is a letter to dispute a debt with a credit bureau. Send as certified mail, return receipt requested. «Your Name» «Address1» «Address2» «City», «State» «Zip» «Company» «Address1» «Address2» «City», «State» «Zip» «Date» Dear Sir/Madame: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible: Name of Creditor/Agency, Account #_________ The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty (30) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Sincerely, «Signature» «Your Name» «Your SSN»
