Spring can be the time to get your ﬁnancial house in order by examining your credit reports to remove any information that might not belong. Perhaps your address has changed. Or there are ﬁnancial accounts you didn’t open.
Some Speciﬁcs Worth a Sweep:
- Delinquent payments more than 7 years old. Get ‘em tossed.
- A bankruptcy more than 10 years. That’s gotta go.
- Outdated personal information. If a name, address or contact information is incorrect – we can change it.
- Unfamiliar credit inquires. If you didn’t initiate them, they can be disputed.
Correcting your Experian Credit Report can be easier than cleaning out your closet. If you spot something on your Experian Credit Report that you want to ﬁxed, for example, the credit reporting firm has an improved Experian Dispute Center that it says makes it easier than ever. Now you can submit disputes from your smart device or desktop.
Consider seasonal cleaning of your credit report, too. It’s a good idea to examine your credit reports from all three credit bureaus (Experian, Equifax, & TransUnion®) quarterly, especially since data breaches and identity fraud are on the rise.
Using the Experian dispute center, consumers can:
- Get their Experian credit report
- Follow contextual links designed to help them better understand and access various sections of their report
- Upload photos of supporting materials directly from their smartphone
- Receive timely alerts updating them on the current status of their active disputes
- Sort and view the accounts listed on their credit report by alphabetical order, date opened or status, and filter by categories such as collections or installment loans
To obtain a free Experian credit report and submit a dispute, visit http://www.experian.com/disputes.
For more information about the dispute process, read the frequently asked questions at http://www.experian.com/blogs/ask-experian/credit-education/faqs/disputes-faqs.
The below Infographic provides some insights”‘
Jeneba Jalloh Ghatt can be heard nightly at 8pm on DCRadio/WHUR 96.3HD4 on "Coming to America with Wayna and Friends. She is an editor at Techyaya.com, founder of the Digital Publiching Academy and JayJayGhatt.com where she teaches online creators how to navigate digital entrepreneurship and offers Do-It-For-You Blogging Service. She manages her lifestyle sites BellyitchBlog, Jenebaspeaks and JJBraids.com and is the founder of BlackWomenTech.com 200 Black Women in Tech On Twitter. Her biz podcast 10 Minute Podcast is available on iTunes and Player.fm. Follow her on Twitter at @Jenebaspeaks. Buy her templates over at her legal and business templates on Etsy shop!