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It is important to protect the health and safety of your credit, as it can make a considerable difference in your financial options. When credit reporting agencies make mistakes on your credit report, it can have a negative or even damaging impact. You will need to report the error as quickly as possible so that…

Cybercrime is on the rise globally. Data breaches are affecting greater numbers of people as more private data is stored in the digital realm and becomes vulnerable to hackers. Data breaches often involve personal identifiable information that can be used to harm those whose data was compromised.  Despite rapid growth and development in the cybersecurity…

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…