How to Clean Up Your Credit Report

76% of all credit reports contain errors. Your's may be one of them. Credit repositories deal with millions of credit files and are constantly updating the info in those files. Mistakes are bound to be made while trying to manage that much data. Some of the most common errors are these:

• Duplicate records
• Accounts that belong to others
• Paid or closed accounts that have not been removed
• Items that have been successfully disputed but never removed
• Accounts or charges resulting from identity theft
• Balances posted in error
• Records of credit entries taken without your knowledge or consent

The Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA) and Fair and Accurate Credit Transactions Act (FACTA) allow you to investigate and challenge questionable items on your credit report. It is legal and ethical to remove unfairly reported listings from your credit report. You, the consumer, can dispute on your own provided you know the protocol.

If you don't have time, or don't know where to start, contact the professionals at RMCN Credit Services for assistance. We know the laws inside-and-out and can get your inaccuracies, as well as certain other items, removed. By law, the credit bureaus must provide adequate proof of their records or remove disputed items. We hold the credit bureaus legally responsible for what they list on your credit report, thereby helping you acheive clean credit.

Over time, with responsible money management, you can further improve your credit score.

You may also find these pages of interest:

• Clean Credit Needed - What to do if you need a clean credit report.
• Clean Credit - What can be done to clean-up your credit?
• Credit Repair Advice - Need advice on repairing your credit?

RMCN Credit Services

1611 Wilmeth Road, Suite B

McKinney TX 75069