Protect your rights with credit sweep 7393643
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Protect Your Rights with Credit Sweep PowerPoint PPT Presentation


Get inaccurate, incomplete, or unverifiable information removed from your credit report with a credit sweep. Under the Federal Credit Reporting Act, you have the right to dispute inaccurate or incomplete information in your credit profile. And a credit reporting agency must remove or correct inaccurate, incomplete, or unverifiable information. But there is a way credit reporting agencies get around this requirement. Use a credit sweep to protect yourself against credit agencies.

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Protect Your Rights with Credit Sweep

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Protect your rights with credit sweep 7393643

Protect Your Rights with

Credit Sweep


Protect your rights with credit sweep 7393643

Get inaccurate, incomplete, or unverifiable information

removed from your credit report with a credit sweep. Under

the Federal Credit Reporting Act, you have the right to dispute

inaccurate or incomplete information in your credit profile.

And a credit reporting agency must remove or correct

inaccurate, incomplete, or unverifiable information. But there

is

a

way credit reporting

requirement. Use a credit sweep to protect yourself against

creditagencies.

agencies

get

around this


Protect your rights with credit sweep 7393643

The Fair Credit Reporting Act

Let’s start at the beginning. The Fair Credit Reporting Act

promotes the accuracy and fairness in credit reporting.

Consumers have a right to know what is in their credit report

and to challenge information that is inaccurate, incomplete or

unverifiable. This includes items like underreported credit limits,

duplicate accounts, accounts that have been paid in full or bad

debt older than seven years.


Protect your rights with credit sweep 7393643

Consumer reporting agencies are required to investigate and

correct or delete inaccurate, incomplete, or unverifiable

information. However, a consumer reporting agency may

continue to report information it has verified as accurate.

And this is the problem because credit reporting agencies do

the bare minimum to protectconsumers.


Protect your rights with credit sweep 7393643

Verifying Information

Each Credit reporting agency has its own process for handling credit

report disputes. However, they all use a similar system for verification.

The three bureaus established the system of investigation and

verification through their trade organization. They automated the

entire investigation and verification process using an online computer

program, called e-Oscar. The credit bureaus and information

furnishers -for example; banks and collection agencies - who report an

accountto the credit bureaus, use this system to investigate disputes.


Protect your rights with credit sweep 7393643

It basically checks computer data bases to see if the

information on the credit report matches the information

furnished. There is no examination of the information. There

is no conversation between people. But, once the

information

has

been

matched

(“verified”), and then credit agencies are allowed to keep

reportingit.

to

another

source


Protect your rights with credit sweep 7393643

A Credit Sweep as Protection

This is why manual credit repair is part of our credit sweep. Manual

credit repair is the use of hand-written letters in a style that is difficult

for ORC Scanners to identify and therefore be read by a computer.

This causes the disputes to be reviewed by a person instead of an

automated system. This improves the chance for a thorough

investigation and the removal of inaccurate, incomplete, or unverified

informationfrom credit reports.


Protect your rights with credit sweep 7393643

Don’t Be at the Mercy of Credit

Agencies

A credit sweep is the best way to protect your interests. Credit

agencies investigate disputed information because it is a requirement.

But satisfying the law does not mean protecting your rights. This can

only happen when proper investigations are conducted. A credit

sweep is the best way to ensure disputes are handled properly and

protect your legal right to have inaccurate, incomplete and unverified

informationremovedfrom your credit reports.


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