This is a question we are all trying to figure out after all the information out there, it is not an easy process to iust lookup your score! That is the situtation and yes, as there is a saying, Blame it on Covid, Blame it on Inflation, Blame it on the Cost Of Living… but is that an accurate statement to say that any of those issues can actually make it difficult to lookup your Credit Score?
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Dispute template for credit companies
According to TheBalance.com, A sample letter to dispute credit report errors:
Your Address, City, State, Zip Code
Your Phone Number and Email
Name of Company
Credit Bureau Address
City, State, Zip Code
Dear Sir or Madam:
I recently obtained a copy of my credit report from your agency and found the following item to be in error:
Item 1: I dispute the unpaid balance on [ABC credit card] account number . This account has been paid in full as of [date].
I am requesting that the item be [removed, updated, or other suggested change] to correct the information.
Enclosed are copies of [use this statement if you have bank statements, canceled checks, or other documentation] supporting my position. Please investigate this matter and (delete or correct) the disputed item(s) as soon as possible.
Enclosures: [List the documents you are enclosing. If none, do not include this section].
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256
P.O. Box 4500
Allen, TX 75013
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
Remember…. no credit score means no loan or no affordability qualification
No credit score as in not enough of a status in order to have the purchasing power needed to make those purchases for life.