When Marisa Galn checked her credit report, she noticed accounts that were not hers, but thought nothing of it. What she didn’t know, however, was that these accounts were culprits that were negatively affecting her credit-and her ability to get a loan at her local bank.
Your credit score is a reflection of every piece of information on your credit report-whether it’s yours or not! Be sure to review your reports from all three credit bureaus (Experian, Equifax, and Trans Union) for accuracy once a year and several months before applying for a loan. Over 70% of individuals are victims of at least one credit error often because a report is incomplete, contains information about someone else, or is out-of date. For example, if someone else has the same name as you do, their credit information may mistakenly be included on your credit report. Don’t be a victim! If you notice an error on your credit report, you have the right to have it investigated and corrected.
Credit experts at ACCION suggest that you send the credit agency a dispute letter to initiate an investigation (visit http://yourmoney.accion.org to download a sample dispute letter)....
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