Georgia Challenge to Credit Report of Experian, TransUnion, and/or Equifax
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How to fill out Challenge To Credit Report Of Experian, TransUnion, And/or Equifax?
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FAQ
If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.
When you are applying for a mortgage to buy a home, lenders will typically look at all of your credit history reports from the three major credit bureaus ? Experian, Equifax, and TransUnion. In most cases, mortgage lenders will look at your FICO score. There are different FICO scoring models.
FICO ® Scores are the most widely used credit scores?90% of top lenders use FICO ® Scores. Every year, lenders access billions of FICO ® Scores to help them understand people's credit risk and make better?informed lending decisions.
Although Experian is the largest credit bureau in the U.S., TransUnion and Equifax are widely considered to be just as accurate and important.
To freeze your credit, you have to contact each of the three credit bureaus individually. Placing a credit freeze is free for you and your children, as is lifting it when applying for new credit.
More companies use Experian for credit reporting than use Equifax. This alone does not make Experian better, but it does indicate that any particular debt is more likely to appear on an Experian reports.
The Georgia Fair Credit Reporting Act is a law that is an add-on to the federal Fair Credit Reporting Act ("FCRA") which requires creditors, also known as furnishers, and the crediting reporting agencies or CRAs maintain the accuracy of consumer credit reports and files.
Lenders typically use your FICO® Score to gauge your creditworthiness. Compared to TransUnion's algorithm, Equifax's algorithm more closely resembles the FICO® model. Therefore, your Equifax score may better predict whether you'll qualify for a loan. Your Equifax score won't be a tell-all, though.