“But judge the credit report errors are unimportant.”– My one response.


“But judge the credit report errors are unimportant.” — my one response.

But judge the credit report errors are unimportant -- my one response.

Imagine this scene:

You’re in federal court watching an argument. 

There’s a lawyer for Equifax, Experian, TransUnion, Capital One,  or any other collector or credit bureau. 

This lawyer is asking the judge to throw out this Fair Credit Reporting Act (FCRA) case. 

The lawyer wants this case thrown out because they say the errors which the consumers are complaining about don’t matter. 

He says these errors are unimportant and irrelevant.

So, the judge asks what the errors are. 

The lawyer says it’s just “stupid things” like an incorrect opening date, an incorrect date of last payment, payment history was wrong showing current one month and sixty days late the next. All of this “meaningless” stuff. 

They say there is nothing important here, so there is no reason for this lawsuit. 

The consumer can’t even point to a mortgage company refusing to provide a loan as a result of these errors. 

So just throw this case out. 

How do you respond to this?

Personally, I tell the judge that if it is on my credit report it is important. 

They don’t put unimportant stuff on your credit report. 

If they take the time and trouble to put the high balance on your report, it is important.

If they take the time and trouble to put the date of the last payment, it is important. 

Whether something is 30, 60, or 90 days late, they would not put this on your credit report unless it was important

So, if they are going to credit report on you, they better get it right. 

If the argument is that what the consumers complained about is unimportant — then why is it on the credit report?

On one hand, these credit bureaus want to say they are a terribly important industry that keeps commerce going because everybody relies on their reports to make credit decisions. 

On the other hand, when they are caught making mistakes, they want to argue that all these little pieces of information that they report are irrelevant.

Hard to make this argument, right?

I’ll just leave you with this final thought:

If there is incorrect information on your credit report, whether it seems like a little deal or a big deal, I would dispute that

The only exception to this would be if you have something like a twenty-year-old account.  

Typically, when we dispute with credit bureaus, we tell them to fix the error or delete it off the report entirely. 

The age of an account can be important and you might not want this one to be deleted.

Aside from the unusual situation where you might not want a debt deleted from your report, if you see errors on negative accounts, dispute them. 

Get these either corrected or removed from your report. 

You have the right to an accurate credit report.

Do not let them trick you into saying, “Oh well, you know the payment history is irrelevant. The high balance, credit limit, and account time do not really matter.”

It amazes me that anything you could dispute, the credit bureaus will actually stand up and say that it doesn’t matter. 

If it truly does not matter, then why is it on the credit report?

If it is on the credit report, it is important and should be accurate.

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John Watts

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