Testimonials

"I want to express my appreciation for the process that CCC has employed to help me eliminate my debts. At the time I began with the program, I couldn't see a way out. In just a little over four years, however, CCC was able to help me get out of debt completely.

Furthermore, during that time, I learned how to live on a budget and how to save for the things I want. In short, I learned how to live without credit cards. I would like to thank CCC for the help you have provided in enabling me to achieve this new financial freedom. I have and will continue to recommend CCC to friends and acquaintances that find themselves in situations similar to the one in which I found myself four years ago."

T G. Brown
Ann Arbor, MI

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Fair Credit Reporting Act
Enforced by the Federal Trade Commission, this act is designed to promote accuracy, fairness, and privacy of information in the files of the nation’s consumer reporting companies.
Consumers have the right to know what’s in their report and who has requested your report within the last two years if the requests were employment related.
 
Credit Report — Correct your Credit Report Fast

Improve your credit report by correcting errors
 
Everybody could use a credit report makeover nowadays. The reality is that you have the power to correct it yourself—no need to hire someone else to do it for you.
 
Because businesses use credit report information to evaluate applications for credit, insurance, employment, and other purposes it's important that the information in your report is complete and accurate. It’s always a good idea to periodically review your credit report to check for errors, especially if you plan on making any large purchases, such as a house or car, in the near future.
 
Negative errors could cost you a lot of money in terms of paying higher interest rates, and even getting a job or insurance. It’s up to you to correct any errors.
Common Errors
Each of the three national consumer reporting agencies, Equifax, Experian, and TransUnion, can have slightly different information in your report, so it’s important to correct all three because the mistakes can be different. As you go through the reports, look for the following common errors:
·        misspellings or numerical mistakes in names, birthdates, or addresses
·        the same loan or account listed more than once
·        missing positive information such as a loan being paid off or an account that is up to date
·        closed account shown as still open
·        payments listed as late when they were not
·        someone else’s information—Mr. Smith Sr. might appear on Mr. Smith Jr.’s report
·        outdated information regarding address, employer, or previous spouse
Disputing Errors
The process for disputing errors from your credit report is free of charge. 
1.      Make a copy of your report and circle all items you believe are error.
2.      Write a letter to the reporting agency to explain why you think each item is incorrect and ask for it to be investigated and removed.
3.      Make copies of any supporting document(s), such as a statement showing the balances paid in full, and include these with the letter. Do not send the originals.
4.      Make copies of the letter(s) and supporting document(s) and send it to the creditor(s) whose reporting statements you disagree with.
5.      Mail everything by certified mail, return receipt requested, so you have proof.
 

The agency must investigate your submission within 30 days and send copies of the dispute to the company or individual who reported the information. It then becomes their responsibility to investigate and send the results back to the credit agency. If the findings are that the information actually is incorrect, then they have to contact the other credit agencies to delete it. Finally, once the investigation is over, the credit agency must give you written results and a copy of your credit report if changes were made, free of charge. In addition, you have the right to ask that a correctedversion of your credit report be send to anyone who received the incorrect report in the past six months.

 

Christian Credit Counselors, Inc. is a national, non-profit organization dedicated to helping consumers achieve financial wellness through counseling and education. Established in 1994, Christian Credit Counselors has helped over two million individuals achieve financial security. Christian Credit Counselors is one of the top members of the American Association of Debt Management Organizations (AADMO), Christian Credit Counselors manages clients across the country. Personalized and confidential consultations are available in person, by phone or online. Visit Christian Credit Counselors or call 888-767-9155.

Greg McTaggart, Certified Credit Counselor with 22 years experience, licensed by AFCPE, Director of Christian Credit Counselors and is an expert in budget and credit counseling. Having the combined experience as a licensed Real-estate salesman, Mortgage Broker, Real-estate Broker, Notary, Ace Member of the Cincinnati Credit Executives, Mortgage Assistance Counselor and Spokesperson of the radio talk show “The Money Mentor”, Greg McTaggart is a qualified Christian Credit Counselor to help you.

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