Creditors are responsible financial services providers that collect and store personal credit data and use them for risk assessment by financial institutions. Everyone should pay attention to their personal credit reports to ensure their accuracy and completeness. If inaccurate information is found in the personal credit report, it is also necessary to immediately challenge the letter-receiving agency. So how do we challenge the service

How can an objection be made to a letter-and-letter body

First, knowledge of the search for personal credit reports. Everyone has the right to consult, free of charge, his or her personal credit reports, which are issued by the letter-receiving agency. Personal credit reports can be accessed on the Internet or by mail, but they require some personal identification information. The search of personal credit reports needs to be accompanied by a careful reconciliation of elements such as personal information and financial status to ensure that there are no errors or leaks of information。

Second, look at negative information in individual credit reports. Negative information includes information on arrears, overdue notifications received, credit cards in arrears, defaults, calls received, personal bankruptcy, prosecutions, etc. If the information is not the result of a personal error, but rather of an error on the part of the requesting agency, then an objection to the requesting agency is required. If the negative information was indeed personal, it would also have to be repaid in a timely manner to avoid damage to credit。

Third, to prepare the objection. Objections require the provision of appropriate material, such as purchase invoices, bank statements, debits, receipts, repayment vouchers, etc. There is a need to provide a true, detailed and clear picture of the circumstances, and there may be a need to provide evidence such as court judgements, letters of counsel, administrative decisions, etc. to support your objection. It would be preferable to organize the material in the order of date, time and place。

Fourthly, objections are raised to the letter-and-letter body. Objections are subject to the process and prescribed format of the letter-in-chief. The processing of objections usually takes a period of time, and the letter-and-letter body conducts an investigation to review the information you have provided and finally decides whether to correct the negative information on the basis of its findings. The letter caller will also provide you with the results of the processing, and if the error is corrected, you will need to view the modified information in the personal credit report。

Finally, it was important to maintain a good credit record. In order to maintain a good credit record, everyone should pay their debts in a timely manner, comply strictly with financial agreements, maintain good repayment records, control credit card levels, etc。