Nov
30

Check your Credit Report for Inaccuracies This Holiday Season

November 30, 2013

Credit report inspectionIf you are saving up for a new home in Chicago, you know how important savings and a good credit score are, and that means making sure there weren’t any breaches to your identity or simple errors during the time of higher-than-average credit card usage: the holidays. The Equifax Finance Blog shares information about what you should do following the end of your holiday shopping in the new article, “

How Do I Dispute Information on My Credit Report?”

First, order your credit reports. You can get them for free by visiting https://www.annualcreditreport.com/ once per year, so that is a great place to start if you haven’t ordered them yet this year. Once they arrive, carefully comb through them and keep an eye out for any erroneous information. If you find any, mark it down, and when you are complete with your search, it’s time to report the errors.

You can report errors by phone, mail or online, and will generally get updates back in the same way you reported. Once the discrepancy is reported, the credit agency has up to 45 days to investigate and get back to you. Once they have concluded their investigation, they will inform you about what they came up with, and whether the issue was verified or will be expunged from your credit report. Even if it wasn’t removed, you can have a note placed on your file that explains to creditors and banks what happened.

For more information about how to resolve problems on your credit report, save for real estate or

retirement, set a budget and more, check the Equifax Finance Blog.

Categories: Economy, Education, Featured

About The Author

Read All Stories By Mitch Levinson

Mitch Levinson is the author of “Internet Marketing: The Key to Increased New Home Sales” published by BuilderBooks. He is an Internet marketing expert with expertise in search engine optimization, website development, email marketing, social media and CRM consulting services. He is known for creating effective programs that can be tracked through analytics to prove effectiveness and ROI. Mitch is founder and president of MLC New Home Marketing and MLC FlatFee Realty, as well as managing partner of mRELEVANCE, LLC, a Marketing, Communication, Interactive agency with offices in Chicago and Atlanta. He currently leads the Chicago team. A Multi-Million Dollar Sales Producer who earned an MBA in Computer Information Systems and eCommerce, he brings a unique perspective and experience to the field of real estate communications. Mitch combines the two interests in order to help home builders and developers gain a competitive advantage through the Internet and technology. When he isn’t behind a computer, he enjoys participating in sports and coaching his kids’ teams. Mitch resides in Arlington Heights, Ill., a northwest suburb of Chicago, with his family, which includes two rambunctious labs. Visit my Google+ profile.

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