www.annualcreditreport.com or www.transunion.com/investigate www.experian.com/reportaccess www.csc.com/investigageThese are all the three bureaus to determine what is inaccurate on the credit reports. Once you get in to each of these accounts, review if the information is correct.Disputes: Asking the credit bureau to make the creditor validate the debt which they have 30 days to respond; if the creditor does not respond, the credit bureaus will simply remove it. If the creditor sells the debt, a collection agency will repost the item to the credit bureau. Charge offs are usually sold for pennies on the dollar, but the credit is getting a bad debt expense. This is why it is important you know your rights. Visit: www.ftc.gov Do not take anyone's word for it. www.consumerfinance.gov to file a complaint on a creditor or collection agency harassing you! There is help available.

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