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Difference between credit report mistakes and negative information on your credit report

We discuss the differences between a credit report mistake and negative information, and what you can do about each one.

Transcript

I'm Chris with Boss Law.

What's the difference between a credit report mistake and negative information on your credit report?

A mistake is information that is not yours or is totally incorrect.

Negative information is information that is y ours but you don't want it on there.

With a mistake, we can have a lawsuit against the credit bureau for not fixing that mistake. And in that lawsuit, we are asking them to give you money, and we ask them to delete the mistake permanently.

With negative information, that's something you can do and use dispute letters to try and dispute with the credit bureaus. Sometimes they will remove it, but oftentimes they don't.

But please, don't pay a credit repair company to do this. You can do it on your own.

If you need dispute letters, please go to our website. We offer them for free.

Thank you very much.