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Most people, given the opportunity, want to pay their bills. Some unscrupulous businesses, however, have committed themselves to abusing consumers. Rather than working with consumers to reduce debt, these unscrupulous businesses take advantage of anyone that deals with them. Federal and state law protects consumers from these businesses.

Monday, July 2, 2012

How to Dispute Credit Report Errors

The clock is ticking.  The time limit for challenging a credit reporting error begins to run from the date the error is reported.  The time limit DOES NOT run from the time you discover it.  So, check your credit now and check it often.  You can check it for free once a year by going to www.annualcreditreport.com.  If you find an error, consult the Federal Trade Commission for instructions on how to dispute credit report errors.  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm  If you dispute the error and the creditor or credit reporting agency refuses to correct the problem, call us. 
-Brandon L. Blankenship (205)912-8248
Blankenship Harrelson, LLP
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