Cleaning up your Credit

[Tonchi]

All credit reporting agencies are required by law to act on your written clarifications and explanations. You can start by sending your corrections to the agencies involved. Good luck, because many of these agencies do not correct blatant errors for quite some time after you contact them, if ever. Try to get a phone number and call them, ask what they have to receive in order to remove the "double faults" you have. Document every conversation and save the name of the person you talked to.

Right now I am suing the collection agency who did this same thing to me. A medical provider failed to file the insurance info he was given, admitted the mistake to me on the phone, but demanded that I pay the $5,000 anyway. This prevented me from refinancing my house when the rates were so low, so my lawyer believes we have a chance to force THEM to clean up my credit.