Credit Report Repair
According to recent studies more than 3 in 5 consumers
have negative information in their credit reports, and
nearly half of the studied reports contained errors (a full 35%
of credit reports contain errors). The Credit Reporting Act addresses
this issue. K & G Debt & Credit Professionals can help you
to have this information removed from your credit report.
If the derogatory information on your credit report is true, then
with time and the resolution of your debt K & G Debt & Credit
Professionals can help you to improve your credit rating. K &
G Debt & Credit Professionals will also be happy to give you
any information that we possess in order to aid you if you decide
to repair your report on your own.
The following information on how to repair
inaccuracies on your credit report is provided on the Equifax
website along with additional information that may be helpful.
Relevant information is also provided on the
TransUnion
website.
First you will need to complete a Consumer Credit Report Update
Form.
Once complete begin by contacting Equifax.
Telephone Equifax at:
1 800 465 7166 between 8:00am and 5:00pm ET
Write to Equifax at:
Equifax Canada Inc.
Consumer Relations Department
Box 190 Jean Talon Station
Montreal, Quebec
H1S 2Z2
Send an e-mail request to: consumer.relations@equifax.com
If you use an e-mail program other than Netscape
or Internet Explorer, please copy and paste the address into your
preferred e-mail client.
After Equifax receives your call, letter or e-mail request, they
begin the Dispute Resolution process.
First, they review and consider the information you have sent
them about your dispute. If this initial review does not resolve
the problem, they will continue their investigation. This involves
contacting the submitter (creditor) of the disputed information
on your behalf to review the details. They will investigate and
report their conclusions to Equifax. Based on their findings, Equifax
may make changes to your credit file. If the disputed information
is correct, they will not make any changes.
Equifax will send you a revised credit report if changes are made
as a result of the Dispute Resolution process.
They will also send your revised credit file to any company that
requested your credit file 60 days prior to the change. In some
cases, it may be a period longer than 60 days.
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