You need to obtain a copy of your credit report from the real credit reporting agencies. I have found that some of the companies that provide online credit report information may miss all the information that appears on your credit report.
You are intitled to free credit report annually and if you are denied credit based upon a decision made by looking at information from your specific credit report. Go to these websites for more information:
EXPERIAN, EQUIFAX, TRANSUNION
www.experian.com
www.equifax.com
www.transunion.com
ERRORS:
Any descrepancy or error on your credit report needs to be addressed. Contact the entity that is reporting on your credit report to get clarification. It may be a agency that has purchased the debt and you acutally owe the account. In the event this happens you have to take responsibility. In the long run, running from the debt makes a long drawn out situation worse. Be honest, and take accountablilty
If the account is reporting in error. Dispute with the company that is reporting negativley, and the credit bureaus that are reporting it.
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