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CORRECTING A CREDIT REPORT

Credit reporting agencies collect and disseminate information about your credit practices to creditors, employers, insurance companies, landlords and others that have a legitimate purpose in receiving such information. When an error is entered on your report, it may affect your ability to get credit. Both Federal and California law give consumers rights that are helpful in correcting this information. If you believe that an entry in your credit report is inaccurate, you should write to the credit reporting agency requesting that they verify the existence and accuracy of the entry. If the credit reporting agency cannot verify the information, the law requires them to remove the entry from your file. You can also request that the credit reporting agency inform recent recipients of the erroneous report of the correction. The following is the contact information for the three major credit reporting bureaus:

Equifax
1 (800) 525-6285.

Experian (formerly TRW)
1 (888) EXPERIAN, (888) 397-3742.

Trans Union
1 (800) 680-7289.

If the dispute over the completeness or accuracy of the entry is not resolved to your satisfaction, you should write a consumer statement of 100 words or less stating the nature of the dispute. The consumer reporting agency must then include the statement in all future reports. Information that is older than seven years, or 10 years in the case of judgments and bankruptcies, must be deleted from your file.

For more information, please contact Group Law Service at 661-325-3425.

The information contained in the Chain-Younger Web Site is general in nature and is not intended as a substitute for legal advice. In addition, an Attorney-Client relationship is not created by viewing this information. Changes in the law or the specific facts of your case may result in legal interpretations that are different from those presented. To protect your legal rights following severe injury or wrongful death resulting from an accident, it is wise to immediately consult Chain-Younger.

DISCLAIMER
The California Credit Report, Credit Report accident, wrongful death, product liability, negligence or other Bakersfield, California Credit Report legal information provided on this internet site does not convey any formal legal advice nor does it imply the formation of a lawyer or attorney client relationship. References to successful Credit Report cases in Bakersfield, CA are dependent on the facts of that case. Results differ from case to case. Please contact a CA Credit Report lawyer or California attorney at our law firm offices located in Bakersfield, California in Kern County. This web site is not intended to solicit clients for matters outside of the State of California.