Florida Home Loans News

Credit Report Errors

The Harm of Letting Credit Report Errors Go Unnoticed (or Unfixed) Even the smallest credit report errors can have a major impact on your credit score and your ability to obtain further credit. Even worse, they can signal that someone has committed identity theft using your information.

What is the FCRA? The Fair Credit Reporting Act (FCRA) was passed in 1970 to regulate the collection and use of consumer credit information.Under FCRA guidelines, the Credit Reporting Agency (CRA) must tell you everything in your report, including (in most cases) the sources of the information.

Credit report errors can happen when data entry errors are made by a creditor that supplies account information to a nationwide consumer credit reporting agency (CRA). They can also happen when a person is a victim of identity theft or when people have common names, similar Social Security Numbers, birth dates, or addresses.

If you have reviewed your credit report and found some data to be inaccurate, the fastest way to resolve the errors is online.

The majority of credit reports contain at least one error, most of which are in the form of incorrect or missing account information. Even if these errors aren’t your fault, they can come back to bite.

Start a New Dispute. We’re here to help you investigate and fix any possible report inaccuracies. Disputing is free and easy to do yourself. A credit report dispute investigation may take up to 30 days but we’ll notify you as soon as your results are ready.

A low credit score, which could be due to credit report errors, may result in getting turned down for loan applications or getting stuck with a high-interest rate. Utility and telecom providers may require a deposit if you have poor credit, and in some states, a low credit score could lead to higher home insurance premiums.

To correct errors on your credit report, you need to contact the credit bureau that is showing erroneous information. Your FICO score uses the information on your credit reports to calculate your FICO score, so inaccurate or incorrect information on your credit report can hurt your score.

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