Name: Last__________________ First ________________Middle ____________
Current Address_______________________________________________________
Former Address_______________________________________________________
Social Security #________________________ Home Phone____________________
Date of Birth___________________________ Work Phone_____________________
Employer_____________________________

Credit Report Dispute / Account Information Dispute Section
Company Name__________________________
Account #__________________________
__ Not my account          __ Was never late           __Account paid in full
__ Current status incorrect          __ Other             __Dispute
Explanation________________________________________________________________
Company Name__________________________ Account #__________________________
__ Not my account          __ Was never late           __Account paid in …

FREE CREDIT REPORT & SCORE

Perfect credit score based on the FICO credit scoring system, is in 840 to 850 range. How really perfect your score and credit rating should be to get the best deal in town these days? Anything over 760 middle credit score I would consider just perfect. Personally, the two highest scores I have seen were in 810 to 820 neighborhood and few things stood out – both credit reports had very established lines over 4 years old each, including mortgage and installment loans as well as two or three credit …

Q: I have a question on TransUnion codes. Got my credit report and can’t quite figure out what 09P means? Also I have R03 codes in two places. My TransUnion credit score is only 574.
A: TransUnion code 09P most probably stands for bad credit charge off. Is that on the far right under under MOP column and under Collections section? 09 code is for a charge off and ‘P’ is likely just a date indicator.
TransUnion R03 codes indicate your revolving accounts which are more than 60 but less than …

I bet many of you are going to get a kick out of it. The Fair Debt Collection Practices Act or FDCPA was created in 1978 as a part of the Consumer Credit Protection Act, specifying strict guidelines under which debt collectors may conduct business, defining consumer rights and providing consumers with an avenue for disputing and obtaining debt validation information in order to ensure its accuracy. The FDCPA also prescribes penalties and remedies for violations of the Act. Basically it gives you some ammunition against collection agencies, prohibiting them …