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The majority of credit reporting agencies can place erroneous information on consumer credit reports. These types or errors can have a negative impact on one's eligibility for any future credit. It's important that consumers stay on top of their credit reports to avoid any mistakes made by the creditors and the credit bureaus.
The most common errors are made with names, social security numbers, and addresses. For example: If there is more than one John D. Smith living in New Hampshire and he decides to apply for an automobile loan, there is certainly a chance that information intended for one John D. Smith might appear on another John D. Smith's credit report. Unfortunately there is a good chance that this information is reflecting poorly on the individual's credit file, thus causing approval problems for the unsuspecting victim. This issue can be easily remedied by alerting the credit bureaus of their error, but usually the consumer isn't made aware of this fact until they're denied credit based on someone else's credit.
The less common errors are made by your creditors when they report to the credit bureaus. Many times information is reported by your creditors that might contain information that you know to be incorrect. Whether they report you for being past due even though you're current with your bills. Or much worst, report that you've filed bankruptcy when such an event never entered your mind.
If you've been turned down for credit in the past 60 days, you are entitled to a free copy of your credit report. If you have not, you can purchase a copy for approximately $8-$10 from most credit bureaus. This can be done online, by phone, or through the mail.
If you are interested in obtaining copies of your credit report for your personal use, here is how you can get in contact with the appropriate companies. Either click on the desired name to go to the specific company's website or simply contact the agency directly with the information provided below. We advise you to order all three-credit reports. Keep in mind, Experian, Equifax, and Trans Union are three entirely different companies. However, each is responsible for recording credit information and providing credit reports for thousands of lenders. Therefore, in many cases information may appear with one credit bureau and not the others. It's important to know if there exists erroneous information on any of these reports.
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