- Mario and Peach found just the right house. They signed a contract, subject only to being approved for financing. They’re debt free, have good jobs, and have a 20% down payment. When they applied for a 15-year fixed mortgage, they were rejected! The mortgage broker told them that their FICO scores were too low. They were astonished!! When they checked their credit bureau report, they found several glaring inaccuracies. What are the exact steps they need to take with this new information that there are inaccuracies on their credit bureau report?
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They first have to place a fraud victims report with their credit bureau. Before their 90 day period is up, they have to get a police report. Their next step is to contact the fraud victim division of each creditor involved. This will help them furnish their documentation. They also need to remember that they owe nothing and should't pay in the mean time. Once their documentation is furnished it will take some time before everything is worked out.
ReplyDeleteFirst, they should write a separate letter for each inaccuracy. Then, they should staple a copy of their credit report to each letter. After this, they need to circle the account number. All of these letters should be sent with the certified mail. They should also request to receive return receipts to prove when the credit bureau receives their letters. If the bureau fails to prove the accuracy of the account within thirty days, they should request to remove the entire account from their file.
ReplyDelete1) Place a fraud victim alert on your credit bureau report, stays on for 90 days without a police report. 2) Get a police report because 80% of identities are stolen by people you know. 3) You owe nothing so don't pay anything, you got things stolen from you. 4) Contact the fraud victim division for each creditor and furnish documentation. 5) Be strong with your decisions and stick to it, it will take time.
ReplyDeleteThey should start by writing a letter for each individual inaccuracy. Then, they need to staple a copy of their credit report to each letter. After this, they should circle their account number. The letters then need to be mailed. A smart thing to do is to ask for return receipts to ensure the bureau received their letters. The bureau has only 30 days to prove inaccuracies or they must remove the account from the file.
ReplyDeleteThey first off have to place a fraud victim alert on their credit bureau repot and that'll stay on for 90 days without a police report. Next they should get a police report. They always have to keep in mind that they're experiencing thief and remember they owe nothing so they need to pay nothing. Once complete with that then they should contact fraud victim divisions of each creditor and furnished documents. Lastly they have to be persistent and remember this will take some time.
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ReplyDeleteThey first should write a separate letter for each inaccuracy on their credit bureau report. Next, the two need to attach a copy of their credit report to each letter. Then, they should circle the account number. Finally, all these letters should be sent certified mail. They should request a return receipt when they receive it. If the inaccuracy is not corrected within 30 days, they should request to remove the entire account from their file.
ReplyDeleteMario and Peach should place a fraud victim alert on their credit report which stays on for 90 days without a police report. They should also get a police report because 80% of thefts are made by people who they might know. Since it is a theft, they should pay nothing because they owe nothing. Also contact the fraud victim division of each creditor and furnish documentation. Mario and Peach should be persistent and don't give up.
ReplyDeleteIn order for Mario and Peach to clear up their credit report, they first have to file a separate letter for each inaccuracy that they find on their credit report. Next, they should staple a copy of their credit report with the mistakes on it to each letter of inaccuracy. Finally, they should circle their account number on the letters. The couple should also look into identity left. They should place a fraud victim alert that stays on the report for 90 days. If it is not taken care of, they should file a police report and contact the fraud victim division furnish documentation.
ReplyDeleteTo tidy up their credit report, Mario and Peach will have to first, place a fraud victim alert on their credit bureau report, which will then remain on there for 90 days. Next, they will get a police report, because the theft is more than likely from someone they know. Next, they will continually remind themselves that this is theft, and they owe nothing to no one. After those reminders, they will contact the fraud victim division of each creditor and furnish their documentation. They should continue to be persistent, it's time consuming, but this should be your new hobby.
ReplyDeleteIn order to clear up the inaccuracies on Mario and Peach’s credit report, they first need to write a separate letter for each individual inaccuracy on the report. Afterwords, they must staple a copy of the credit report to each letter to highlight the errors. They also must circle to the account number. Also, they should request to remove the inquiries and send them with certified mail with a return receipt so they can prove it was received. If they don’t take it off within 30 days, they can request to have the entire account removed from their file. After the 30 day period, they can discuss and complaints with the Federal Trade Commission and the state’s Consumer Affairs Division.
ReplyDeleteThey need to write up a separate letter for each one of the inaccuracies they found. Next print off copies of the credit report and attach to each letter of inaccuracy. Then they need to circle their account numbers before mailing. They should also include a return receipts, to ensure the bureau received the inaccuracies and they can start to count down of the thirty days, the bureau has to remove inaccuracies.
ReplyDeleteMario and Peach must first place a fraud victim report regarding their FICO score. The fraud victim alert will stay on their report for up to 90 days. After placing the fraud victim alert, they will need to then file a police report. A letter of each inaccuracy should be sent to each creditor, with each letter an account number should be present and circled. This being a fraud case means Mario and Peach owe nothing.
ReplyDeleteMario and peach need to write up a separate letter for each of the inaccuracies they have found. Then the must print off copies of there credit report and put them with each of the inaccuracy. Next they must circle the number of mailing. They must request to remove the inquiries. Send them with certified mail with a return receipt so they can prove it was received. If they don’t take it off within 30 days they can request to have the entire account removed from their file.
ReplyDeleteOne of first things they should do if they want to fix their credit report is write up a letter with all inaccuracies they have found. It is also a great idea to print off a credit report for every inaccuracy. You gotta send each inaccuracy separate with an individual credit with it in a letter. Also if the organization does not fix the error in 30 days you can request to have the entire account taken down.
ReplyDelete