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A mixed file error on your credit report means that your credit report contains information that belongs to somebody else. Mixed file errors can occur by mistake or by fraud. They can negatively impact a credit report, which can result in denials of credit, housing, and employment.  The Fair Credit Reporting Act (FCRA) requires credit…

Federal law protects consumers from the damage that can be caused by inaccurate information contained in a credit report. The information in your credit report can influence many aspects of your daily life. When you apply for a job or an apartment, your credit report could be the difference between a yes and a no. …

Okay, so you found information in your credit report that was wrong. You disputed the errors with the three major credit reporting agencies. You also filed a dispute with the credit reporting company that furnished the erroneous information.  Now you’ve received the results of the investigation into your dispute, and you did not get the…

If there are mistakes or fraudulent transactions in your credit report, you can correct them. If the problem is a simple error, reach out to the creditors that are reflecting incorrect information first. If they acknowledge their error and promise to correct your information, get a commitment in writing.  File a complaint with the relevant…

Inaccuracies on credit reports have been termed an “epidemic” with figures on reported inaccuracies and complaints rising more than twofold in recent years. The remedy is supposed to be a series of simple steps, but it is often not as easy as it sounds.   Unfortunately, what you hear after following them may not be what…