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How to dispute a mistake on your credit report

first_img 282SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Derek San Filippo Derek is a freelance writer who spends his off time either working with his rescue animals or writing children’s books. He lives in San Diego with his beautiful wife … Web: www.financialfeed.com Details Believe it or not, the people who send in the information that dictates your credit score, and the bureaus themselves, are made up of humans? The reason this is important is that people make mistakes. That being said, it is possible that a mistake has been made on your credit report that is dropping your FICO score. Assuming you’ve caught an error, what do you do? Well, each of the three big credit bureaus has its own ways to dispute an apparent error. They’re all very similar.The Big ThreeOnce you’ve seen your report and found the error, all you need to do is go Equifax,TransUnion, or Experian. Any one of these links will take you to that bureau’s dispute page. Once you’ve logged in, follow the steps to file a dispute and you should be good to go. Once you’ve filed your dispute, it’ll take up to 30 days for a bureau to investigate and deliver the findings to you. If they find there was an error, they will fix it and adjust your credit report, thus potentially improving your credit score.Another WayThere is one other thing that can be done to fix a mistake on your report. Should there be an error, you can contact the company on whose account the mistake appears. In doing so, you skip having to go through the credit bureau and you get directly to the source. If all goes well, the issuer will have the bureaus fix the mistake and your report will be glowing. This may not be an appropriate avenue in all cases, especially if you’re dealing with identity fraud. In that case, you’d go directly to the bureau.Last StepsRegardless of which route you take, always keep an eye on your email. Typically, once you’ve signed up for one of the credit bureaus and you’ve submitted a dispute, they will give you updates as to where the process is.ConclusionShould you find an error on your report, file a dispute. It’s free and is settled quickly. Cross-reference all bureaus to see if the problem is throughout the big three. Take a look at your report and see if there are any mistakes. Fixing them costs nothing.last_img read more

Sex offending up, overall crime decreases

first_img3News 1 October 2013Police say the overall reported crime rate has decreased,  but sexual assault is bucking the trend, up 10 percent.The Statistics New Zealand figures released today show an  overall 7.4 percent decrease in crime in the 2012/13 financial year.However, sexual assaults have increased by 10.8 percent,  which Deputy Commissioner Viv Rickard is putting down to “greater trust and  confidence in police, rather than a spike in offending”.“We believe that historically sexual violence is  under-reported to authorities.“Police are heartened that victims of this type of crime are  coming forward and we want to assure them that police take all complaints of  sexual violence seriously,” Mr Rickard says.Dwelling assaults also increased by 1 percent.Family violence statistics have not been included in the  official statistics since 2001, but Mr Rickard says dwelling assaults give some  indication of domestic violence that happens.“Family violence continues to be a serious problem in New  Zealand,” he says.http://www.3news.co.nz/Sex-offending-up-overall-crime-decreases/tabid/423/articleID/315324/Default.aspxlast_img read more

Liverpool upbeat after transfer coups as Man United sweat

first_imgJurgen Klopp coach of Liverpool huddles with his player Sheyi Ojo #54 during a break in action aginst Borussia Dortmund during an International Champions Cup match at Bank of America Stadium on July 22, 2018 in Charlotte, North Carolina. Bob Leverone/Getty Images/AFPLiverpool has spent big in the transfer window in an attempt to close the gap on Premier League champions Manchester City but it has been a summer of intense frustration for Manchester United boss Jose Mourinho.Elsewhere, Pep Guardiola finally landed Leicester’s Riyad Mahrez for a club-record fee in an otherwise quiet window so far for City while Arsenal has signed a clutch of players but no marquee names to whet the appetite.ADVERTISEMENT Peza offers relief to ecozone firms He also picked up midfielders Fabinho from Monaco and Naby Keita from RB Leipzig and added Stoke City’s Xherdan Shaqiri to an already formidable array of attacking talent that includes Mohamed Salah.But the German manager is warning Liverpool not to get carried away with celebrating their success in the transfer market after splurging more than £170 million.“We need to be ready for the big challenges, the big goals,” he said. “We have to be this angry, aggressive, greedy team full of desire that wants to win each game.“All the other teams have quality as well so we need to be ready for fights, not celebrating signings and stuff.”Mourinho, unable to resist an early dig at his rival, said Liverpool’s transfer activity ought to increase expectations of a first top-flight title since 1990.ADVERTISEMENT Judy Ann’s 1st project for 2020 is giving her a ‘stomachache’ Britain’s Sun newspaper reported on Wednesday that Courtois has told Chelsea he will quit the club next year on a free transfer unless they sell him this summer.The only major signing for the 2016-17 Premier League champions is Brazil midfielder Jorginho from Napoli, with new boss Maurizio Sarri professing himself bored with the transfer market.Arsenal, preparing for a season under a new manager for the first time for more than two decades, has signed a clutch of players including Switzerland defender Stephan Lichtsteiner but Unai Emery has not yet landed a marquee name.Tottenham, about to move into a new stadium, is the only one of the top sides not to have signed a single player.There is still time but the clock is ticking.Sports Related Videospowered by AdSparcRead Next Gov’t in no rush to rescue animals in Taal Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew “With the investments you are making last season and you make now, that will probably be the record of the Premier League this season, a team that was a finalist in the Champions League — you have to say you are a big candidate, you have to win,” Mourinho said during United’s pre-season tour of the United States, during which they were thumped 4-1 by Liverpool.The United boss himself has cut an increasingly frustrated figure in the build-up to the season, lamenting his failure to land his top targets.The Portuguese are desperate to close the gap to Guardiola’s side but so far has just picked up Brazil midfielder Fred, who did not play a single minute at the World Cup in Russia, young defender Diogo Dalot from Porto, and veteran goalkeeper Lee Grant.City, who finished 19 points clear of United last season, has been relatively quiet this time around but they finally snared Mahrez for £60 million, further enhancing their dazzling forward options.The City boss said he was unfazed by Liverpool’s lavish spending, remaining happy with the nucleus of the squad that romped to the Premier League title.“Every club does what they believe, I understand completely,” he said. “They are contenders to win the title, Liverpool is always a contender because of the history they have.”Hazard to stay?Chelsea’s Eden Hazard looked like he could be at the center of one of the biggest transfer stories of the summer when he hinted at the World Cup he might want a fresh challenge.His comments sparked speculation he could be off to Real Madrid to replace the departed Cristiano Ronaldo.The European champions have also been linked with Chelsea goalkeeper Thibaut Courtois and Brazil forward Willian. 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