1 ON 1 REAL ESTATE LLC
HOLLYWOOD, FLORIDA

A: It’s up to you. Because nationwide credit reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different. A: Under the FCRA, both the credit report­ing company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for . To take full advantage of your rights under this law, contact the credit reporting company and the information provider. 1. Tell the credit reporting company, in writing, what information you think is inaccurate. Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file. When the investigation is complete, the credit reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report.) If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. 2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a credit reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again. Q: What can I do if the credit reporting company or information provider won’t correct the information I dispute? A: If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to provide your state­ment to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service. If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a credit reporting company. Q: How long can a credit reporting company report negative information? A: A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about crimi­nal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, which­ever is longer. A: The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, em­ployment, or renting a home are among those that have a legal right to access your report. only if you agree. A credit reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint, visit or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. We are focused on providing you with the best results and service in the industry.  We listen carefully to understand your real estate goals and work hard to create solutions that make sense for you.  Whether you are new to the market or an experienced investor, we have the expertise, proven track record, and resources to help you achieve your real estate goals. As is often said, real estate is about location, location, location. We have extensive knowledge of the Broward & Miami-Dade area and can help you find the right home for you or the right buyer for your home. To provide the most professional, informative, loyal, dedicated and personalized (1on1) service with honesty and Integrity.   To educate and inform sellers, buyers, renters and investors to make educated and informed decisions that will allow them to accomplish their real estate goals. Thank you for visiting our website! This is a one-stop real estate website for all your home buying and selling needs in South Florida. We are professional s who will help make your search for a new home an enjoyable experience. Please feel free to contact us directly if you have any questions about the South Florida real estate market, or buying or selling a home in South Florida. 1 on 1 Real Estate LLC A Better Way to Buy and Sell Real Estate Thank you for visiting 1 on 1 Real Estate! This is a one-stop real estate website for all your home buying and selling needs in South Florida. We are professional real estate brokers and agents who will help make your search for a new home an enjoyable experience in the Pembroke Pines, Miramar, Cooper City, Hollywood, Davie, Plantation areas.