Credit report errors are extremely frustrating and near impossible to fix. For starters, this could involve a negative listing such as Location Services LLC. This article will help you understand how you can remove Location Services LLC from your report, dispute it, and improve your credit health.
You can also work alongside CreditSage, a team of professionals who can handle disputes for their customers to create a seamless experience for them.
Adding Nuances to the Entry of Location Services LLC on Your Credit Report
Location Services LLC is a collection agency focused on locating people who owe money. If you spot this on your credit report, then it typically accounts for a collection where you were the debtor. While it really harms your credit health, note that these listings are typically not always correct or even legitimate.
Credit reports are compiled and maintained by the big three bureaus: Equifax, Experian, and TransUnion. Each bureau uses numerous sources to collect information for credit reports including creditors, collection agencies, and other circumstances. If it was listed as a collection account for unpaid debts, Location Services LLC could be a bad account on your credit report usually caused by human mistakes, incorrect information, or just that you really do not owe the debt.
It's vitally important to understand how such listings affect your credit report. A collection account, particularly one that is invalid, will adversely affect your credit rating and make it hard for you to secure loans, credit cards, and even good interest rates.
When you are confident Location Services LLC doesn't belong on your report, you must take action quickly to begin initiating the correction. CreditSage is there to assist any customers in disputing these inaccuracies.
Read through the subsequent subsections and understand the procedures below as they will describe how to efficiently take Location Services LLC off your credit report, as well as any problems that may arise from it.
How to Find Errors on Your Credit Report
Before you consider disputing Location Services LLC or anything on your credit report, you should first consult the reports of three major credit bureaus very carefully and assess whether the entry about Location Services LLC is valid or has any discrepancies, if it is fraudulent in nature, or if it is caused by identity theft. You may start by requesting free credit reports from Equifax, Experian, and TransUnion through AnnualCreditReport.com. You are entitled to receive one free report per year from each, or you can directly request them from their respective sites.
After you have followed that up, study reports carefully for any mention of Location Services LLC. Do not skip observing the following:
Account Information
Account Information
Ensure the accuracy of the account information, including the amount owed, explanation as to when the original debt arose, and whether it was closed due to a charge-off since that could be indicative of error.
Dates
Dates
Ensure the dates the account was opened, was reported, or went to collections there's a possibility that aged information reflects on your report that could adversely impact your credit health.
Other Entries
Look for other entries similar to this. If the account is misreported, it could have arisen from a myriad of errors.
Personal Information
Check for the name, address, and other identifying information-this can often shed light on any confusion with someone else's account or discrepancies resulting in your recent credit report by clerical error.
Once you've gotten your hands on the report and verified its inconsistencies, it's time to dispute the erroneous information. If you notice any discrepancy with the way Location Services LLC was reported or if the debt isn't even yours, it's imperative that you take action immediately to prevent further damage to your credit.
At CreditSage, our experts deal with reviewing and identifying errors made on the report by credit reporting agencies, including collection agencies like Location Services LLC, to make sure you are not being affected or impacted for someone else's mistakes.
Disputation of the Error To the Credit Bureaus
Having identified that there is an error in the Location Services LLC entry on your credit report, the next step is to dispute the entry with the credit bureaus. The system has thus constructed the necessary provisions for people to dispute any incorrect information as a means to serve them rightfully.
Gather Your Documents
When disputing that the entry from Location Services LLC is incorrect, it's good to gather anything that might support your dispute. Such could include collection letters, bank statements, records of payments, and possibly a police report if you suspect identity theft.
Dispute with Each Bureaus
The three major credit bureaus allow you to dispute the information they have on you via their respective websites. Specifically, you are going to submit your dispute through the websites of Experian, Equifax, and TransUnion. This requires personal information about you, details regarding the related account, and copies of any evidence that you have gathered.
Equifax
The website can be accessed and the "dispute" section clicked on to fill in an online form with information about the contest and upload other supporting documents as well.
Experian
You can lodge a complaint with them either online, via telephone, or by mail. It still allows you the chance to see your report, file disputes, track the progress of your claim, etc.
TransUnion
On their website, one can easily contest a disputed entry and file necessary documents to support the challenge.
Dispute with the Collection Agency
It can be beneficial to directly call Location Services LLC and tell them about the dispute. You can ask them to validate the debt; if that were the case, it means they must provide you with proof. You can also tell them to stop reporting the account during the dispute.
We do dispute for clients at CreditSage and are ready to assist as long as procedural needs are met, and evidence is correctly presented. We aim to make it easy and convenient for the clients.
Follow-up Your Dispute
After such a dispute is lodged, that credit bureau has usually a 30-day window to investigate into and respond to those allegations. Within that time, the bureau will investigate details made available from the submitters, contact the right creditor (Location Services LLC, in this case), and determine whether or not a disputed entry will be removed from the credit report.
The follow-up is, therefore, key to ensuring the dispute proceeds and is handled properly. Other than that, if you do not receive any reply in 30 days, it is only right for you to follow up your dispute status with the credit bureaus. An outcome favorable to you could ensure that the Credit Bureau cancels the entry against Location Services LLC from your report. In such a case, your report's value would increase if negative information was erroneously recorded.
On the other hand, if the bureau rules in favor of Location Services LLC, there are a few other avenues to pursue. One of them would be requesting reconsideration: Ask them for a reconsideration by way of appeal if he or she supports Location Services LLC and it stays on your report. This reconsideration could encompass additional evidence by way of judgment or reiteration of some of the key factors that were not duly considered.
While this seems like a lot of work, CreditSage will also provide you with the least intimidating of advocates in this frightening ordeal.
Filing a Complaint
Following such reconsideration, if your dispute still favors Location Services LLC, you still retain the option to file a complaint with the Consumer Financial Protection Bureau or, if you feel your rights are not being respected, you may go for legal counsel. The platform will ensure in keeping our clients informed on any next-step developments so that they may fix matters swiftly, and the case remains full-throttle. Our dispute resolution specialist will thus continuously defend your rights and ensure the best possible credit restoration service.
What to Do When an Account Dispute Cannot Be Resolved and Where to Go for Help
If it is impossible to easily set aside a dispute with Location Services LLC, then you may appeal for a few moves in order to protect your credit health. Your rights, as mandated by the Fair Credit Reporting Act (FCRA), depend on having only completely verified, error-free data garnered onto your credit report and also that agents are only working on actually verified claims. If there are any lapses in this regard, they may be elevated to higher authorities.
Here are last-ditch measures to dispute your account concerning Location Services LLC:
Call the Collection Agency
Do not discount calling back the collection agency if the case is still open. Make sure that you are receiving confirmation in writing about the debt.
Send a Letter to Cease Communications
This could be followed with a letter to the collection agency asking them to cease communication on the matter. Some states require you to write this kind of letter before you send a Validations of Debt letter (VODs) that is legally signed by the agency and imposes legalese upon certain requirements of it.
Consult an Attorney
With any suspicions of fraud, identity theft, or any other oppressive move, one may as well seek legal consultancy on the matter. An attorney specializing in credit reporting can help you know your rights and how to handle the situation.
Use a Credit Repair Service
For complex disputes, professionally, a credit repair service such as CreditSage is very useful. We take care of the entire process of disputing, making sure that we present every suspicion for every suspicious entry and focus on resurrecting your credit health.
Now that your dispute has been cleared, and you have gotten Location Services LLC's entry deleted from your credit report, it is essential to continue checking the credit report periodically for glitches. The more frequent the checks, the cleaner the credit report should be, furthering its overall credit worth.
At CreditSage, we are right beside you, making sure that you never feel alone in solving disputes. This, therefore, gives you the liberty to go ahead and work around your credit health without having been bogged by the burden of attending to disputes alone.
The article outlines a complete process of steps involved in getting Location Services LLC off of your credit report, therefore successfully closing these disputes. That says you need to take great pains to examine your credit report, post your disputes, and follow through with steps to keep a clean report-you will have paved the way for brightness for your life. CreditSage is there to help at every point, through the sky-high and through the low tides, for sure you have an escape from walking alone.