If Aberdeen Enterprises appeared on your credit report and you have no idea why, it is okay; you are not alone. Aberdeen Enterprises is a company which sometimes appears on your credit report due to a dispute, collections, or some sort of financial dealings. Although it's perfectly normal to see a company name on your report, it is of utmost importance to check whether the listings are actually correct.
Fortunately, disputing this kind of error is possible on your credit report—and luckily, you do not have to do it all alone. This article will be about the procedure of removing Aberdeen Enterprises from your credit report so that it would reflect nothing but an accurate credit history. Through CreditSage, a trusted credit repair company, you can have the dispute process handled on your behalf. They will surely lead the way through this complicated world of credit reporting.
How Aberdeen Enterprises Can End Up on Your Credit Report
The first step toward getting Aberdeen Enterprises off your credit report is understanding how it may have gotten there in the first place. Aberdeen Enterprises is a debt-collection agency since it acts as a third-party entity in retrieving debts. If you owe a debt to some business or service provider, their subsequent tardy payments may have caused them to forward your account to Aberdeen Enterprises to recover the outstanding debts.
Apart from the above reasons, Aberdeen Enterprises may also land on your credit report for reasons such as: Report error, name confusion with respect to the business, or elimination of mistakes in reporting account statuses. For example, they may mistakenly report a debt you previously paid off, or have put a debt owed under your name that doesn't belong to you. Credit reports are very tedious documents with lots of data involved, and even a single error or discrepancy can have massive impacts on credit health. Thus, if Aberdeen Enterprises got on your report, you should act quickly to get it removed.
Look for Mistakes in Your Credit Report
Next, go through your credit report in detail. You have access to one free credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. You should compare credit reports of these bureaus and check whether the listings of Aberdeen Enterprises are a mistake. When you're ready to get started, you should first obtain your credit report from all three bureaus. Work your way through each report for entries regarding Aberdeen Enterprises.
Look for following possible issues:
- Incorrect Account Information: Sometimes, a creditor might incorrectly report a debt, and/or misapply payments. If the amount is incorrect, if the account was closed yet it appears to be open, if it has been paid yet reflects unpaid—these require a dispute.
- Duplicate Listings: Duplicate listings can happen, sometimes due to the fault of a creditor or a collection agency for failing to remove an outdated entry.
- Fraud Accounts: If you have never done business with Aberdeen Enterprises or specifically cannot recall any debt with them, the record may have occurred as a result of fraud or identity theft.
After you view the credit reports, note any discrepancies and work on documenting these. This process will assist you later in building a case for your dispute.
How to Dispute Errors on Your Credit Report
Upon knowing that there are errors or incorrect listings on the credit report about Aberdeen Enterprises, the next thing is disputing with the credit bureaus. Unlike other rights that may be challenged in court, disputing errors is actually a right mandated by the Fair Credit Reporting Act (FCRA) in any complaint form, either by you or through someone else, such as CreditSage.
Here’s how you go about disputing errors on Aberdeen Enterprises:
Direct Dispute with the Credit Bureaus
All of them will let you file a dispute online or in writing or by phone. The process is started by:
- Getting in touch with the credit bureau and providing a solid explanation of the error or discrepancies involved.
- Include supporting documentation to prove that the debt is not yours or that the balance reported is incorrect.
- Make a request for a removal of the erroneous information from the credit report.
Credit bureaus must legally perform an investigation into your dispute and respond back to you within 30 days. During this period, they will also contact Aberdeen Enterprises or any relevant parties to verify the credibility of the information.
Dispute Directly with Aberdeen Enterprises
If you choose to take a direct approach, you may also file a dispute with Aberdeen Enterprises directly when the credit bureaus do not resolve the dispute within a reasonable time. It is possible they will shed more light on the situation or provide documentation to help verify (or not) the listing (while retaining copies of all such correspondence.) Journal any responses you receive and contact them as often as necessary until you have received a reply.
Engage Professional Help
If it's too much for you or you just have no time, you can think about getting help to ease your worries from a credit repair company like CreditSage. Because a reputable credit repair company will walk you through all the phases of the dispute process and ensure everything is done right and applied according to the credit laws.
What Happens After They Dispute Aberdeen Enterprises?
Usually, once you file a dispute, the credit bureaus will hire some investigators to research its correctness. They will take your input, contact Aberdeen Enterprises for verification, then determine if the original credit report was accurate.
Here are a few possibilities that will arise:
The Dispute Turns Out to be In Your Favor
If it is determined that the credit report about Aberdeen Enterprises was not correct or could not be verified, the bureau will delete this report from your credit report. And this is the ideal result.
Your Dispute Was Rejected
If it's deemed that the information on your credit report is already verified, the credit bureau will not be deleting this entry on your credit report. But you can try to appeal or follow another route if you can provide additional information or enlist help from a credit repair company.
The Dispute Is Indeterminate
Sometimes, the credit bureau cannot conclude the dispute because of insufficient evidence. In that case, they are likely to continue to report the matter on your credit report, but you still have the right to dispute it. It’s best to take proactive steps no matter the outcome. If the decision is not reached in your favor, you can request a re-investigation, continue submitting supporting documents, or enlist the help of such professionals as CreditSage, who will go further toward escalation.
Ways CreditSage Can Help You Remove Aberdeen Enterprises from Your Credit Report
Contesting and arguing over errors on credit reports could be complicated and interminable in terms of consuming one's time. CreditSage offers services to manage and eradicate negative items on your credit reports, filed by Aberdeen Enterprises, for those who have neither the time nor technical expertise-perhaps the most complicated experience of credit reporting.
This is how creditSage can help:
Professional Dispute Management
CreditSage knows the ins and outs regarding credit reporting and disputes. As they have worked with credit bureaus, collection agencies at Aberdeen Enterprises, and any other party to a dispute on the credit report, using their know-how ensures that you are on the right path, and your dispute is worked correctly and timely.
Total Paperwork Management
CreditSage helps handle all necessary paperwork and communications with credit bureaus and Aberdeen Enterprises. They will take every measure to make sure that nothing is filed poorly and that deadlines are met. You won’t have to worry about forgetting an important detail or making an expensive mistake.
Continued Support and Updates
CreditSage is there to support you through the entire dispute process, updating you on the status of your dispute. You will always know when something is going on and when you need to act.
Legal Compliance and Consumer Protection
Consumer rights are extremely important to the CreditSage company. For this reason, CreditSage will operate on the principles outlined by the Fair Credit Report Act, the Fair Debt Collection Practices Act, and any other relevant laws to assure that your rights are protected through the process of disputing.
Regaining Control of Your Credit Health
Taking steps to get Aberdeen Enterprises off the credit report may indeed be that very important step amplifying the chances that the credit report reflects the truth about the credit history. Challenging the inaccuracies will create a protective screen to shield against the negative tirades that such inaccuracies could evoke. Whoever you may end up engaging to tackle inaccuracies in a credit report, the priority should be to keep such inaccuracies as few as possible. Remember: Credit health is about clearing credit report errors, accuracy maintenance, and keeping up with what is going on financially