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Correct Your Credit Report

Oregon Credit Counseling

Oregon credit counseling is here to help Oregonians to better understand and manage their credit. Oregon credit counseling is a requirement associated with filing bankruptcy. The following information can help you to correct your credit report if needed.

Your credit report contains information about you - where you work, where you live, how you pay your bills, whether you have ever been sued and whether you have ever filed for bankruptcy.

The credit report is compiled by a company called a Credit Reporting Agency. The Credit Reporting Agency gets its information about you from creditors and court records and, in turn, sells this information to other creditors, businesses, employers, insurance companies and landlords.

Oregon credit counseling can help you to better understand your credit report and it's impact on your finances.

It is critical that the information contained in your credit report be accurate. The information received by Crediting Reporting Agencies is matched by name, address and social security number. However, it is not uncommon for some of the information submitted to the Credit Reporting Agency to be incomplete or just outright wrong.

You should check your credit report on a regular basis to make sure it is accurate. Oregon credit counseling can help you learn what you need to do to keep your credit report accurate.

If you have incorrect credit information, you may write to a Credit Reporting Agency and that agency must investigate whether any information is incorrect.

The investigation is done by writing a letter to the company that furnished the information and, if that company does not respond, the information is deleted automatically.

Companies that charge you up to $2,000 for "cleaning up your credit file" simply write letters to every creditor in your file. Below are the addresses of the three credit reporting agencies.

Experian
POB 2002
Allen TX 75013-0949

Equifax
5505 Peachtree Dunwoody Rd 600
Atlanta GA 30374-0241

Trans Union
760 Sproul Road
Springfield PA 19064-0390

Unfortunately, sometimes bankruptcy is the best option for an individual. Oregon credit counseling can help you to better understand your options, and help you to avoid problems in the future.

To consult with a bankruptcy attorney to help you better understand Oregon credit counseling, please Contact Us.

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