How to fix errors on your credit report

first_img 47SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Myriam DiGiovanni After writing for Credit Union Times and The Financial Brand, Myriam DiGiovanni covers financial literacy for FinancialFeed. She is also a storytelling expert and works with credit unions to help … Web: www.financialfeed.com Details If you’ve received your free annual credit reports from all three credit bureaus, all that information may feel a bit overwhelming, especially if you find errors.If there is something incorrect on your credit report, here is how to fix it.Do a line-by-line review: According to the Consumer Financial Protection Bureau, be on the look out for these common reporting mistakes:Identity errors: Is there a phone number, address or name you don’t recognize?Accounts that don’t belong to you. Maybe it’s information that belongs to someone who has a similar name.Accounts opened as a result of identity theft.Incorrect account status: This includes closed accounts reported as open, you being listed as an account owner rather than authorized user, duplication of debt, and/or wrong opening, payment or delinquency date.Right account number but wrong balance or credit limit listed.How to fix errors: First, you’ll want to contact the credit bureau that has the error online, by phone or snail mail. Explain in detail why the information is wrong and include copies of any supporting documentation. Once it is received, in general, the bureaus will investigate and respond within 30 to 45 days. The only way an investigation won’t happen is if your dispute is ruled “frivolous,” and you’ll know if that is the case within five days. You’ll also want to file a dispute with the company that made the mistake so they can provide updated information to the credit bureaus. If they made the error, it is their responsibility to contact the credit bureaus and provide the corrected information.If the investigation is not in your favor, you have two choices.Ask that your disputed claim summary be included in your credit report, orFile a complaint with the CFPB at www.consumerfinance.gov/complaint.last_img read more

Deshaun Watson proves Texans’ NFL divisional playoff chances against Chiefs depend on him

first_imgMORE 2020 NFL PLAYOFFS:Full schedule | Predictions through Super BowlSure, there were other key players who helped the Texans complete a comeback from a 16-0 third-quarter deficit. It wouldn’t have been possible without J.J. Watt and Whitney Mercilus making big plays in the pass rush to cool off Watson’s counterpart, Josh Allen.But after the struggles of a scoreless first half, Watson’s final numbers (20-of-25 passing, 247 yards, TD, 9.9 yards per attempt, 121.2 rating, 14 rushes, 55 yards, TD) will go down as a legendary playoff performance, regardless of round. He somehow overcame 7 sacks and constant pressure from a swarming Bills front seven, down to the great escape that led to the game-winning field goal by Ka’imi Fairbairn.DESHAUN WATSON. MAGICAL. #WeAreTexans #NFLPlayoffs📺: #BUFvsHOU on ESPN/ABC📱: NFL app // Yahoo Sports appWatch free on mobile: https://t.co/g2IubuwcCg pic.twitter.com/1zJVqST2Tv— NFL (@NFL) January 5, 2020Watson avoided an eighth sack despite being cornered by several Bills behind the line of scrimmage, and five long seconds later, he dumped a pass off to running back Taiwan Jones that turned into a 34-yard gain to the 10-yard line. Only four plays prior, just getting up from his seventh sack, Watson had converted a third-and-18 from the Texans’ 19 with a short pass to running back Duke Johnson Jr.The Texans had no business winning the game. Their pass protection was bad. Their run blocking was bad. Their pass defense, despite sacking Allen three times, allowed the Bills to spread the ball around through tough situations throughout the game. They couldn’t stop Allen or rookie running back Devin Singletary from getting chunk plays on the ground.Before the second-half rally, Bill O’Brien was coaching poorly in every aspect. The Texans came out of the gate slowly, shell-shocked by a creative and aggressive Bills offense and having no clue how to solve a fundamentally sound defense.MORE: Takeaways from Texans’ win over billsThe Bills handed the Texans opportunities with penalties and other self-inflicted wounds. Houston needed every bit of Watson’s off-script running and passing, including two key two-point conversions to take advantage of those chances.O’Brien also made a bad decision late in the fourth quarter by running Watson up the middle on a fourth-and-1 at the Bills’ 30 instead of taking a field goal to extend the lead to a likely unsurmountable 22-16 lead late in regulation. That forced the Texans to try to salvage a victory they should have preserved before OT. Watson and the Texans were able to beat the Chiefs in the regular season, and yes, Watson did everything he needed to do, passing and rushing, for Houston to earn that victory.We get it: Football is a total team game, and all the Texans contributed in some way to outlasting the Bills on Saturday. But Watson both buried and masked the messes by taking over the game with his special individual playmaking and championship pedigree.For the Texans to take two more steps and get to Super Bowl 54, it’s elementary that Watson must keep doing it. Lamar Jackson will win NFL MVP for the 2019 season, and Russell Wilson will likely be the runner-up. But both those quarterbacks clearly have more help from their respective playoff teams.Watson is on an island with little reliability beyond go-to wide receiver DeAndre Hopkins offensively, plus only a little more support defensively with Watt back. At this point, Watson is doing more to boost O’Brien’s offense than the other way around. Watson also is the Texans’ sole workaround for O’Brien’s lack of good situational coaching.VIDEO: Watson’s best plays against Bills Almost everything about the Texans’ 22-19 overtime win over the Bills on Saturday night in the wild-card round of the NFL playoffs painted an ugly picture — for both teams on both sides of the ball. That made Deshaun Watson’s dazzling effort an absolute masterpiece.Houston’s quarterback was by far the best player on the field, and he was fully rewarded with his team advancing to the divisional round to play at Kansas City next Sunday. (Getty Images) https://images.daznservices.com/di/library/sporting_news/80/fa/deshaun-watson-010420-getty-ftrjpg_t5poqiv5hsxu1f30ez2x0041m.jpg?t=1932902031&w=500&quality=80last_img read more

Neymar could still face Real, no operation planned: Emery

first_img0Shares0000Neymar still has a small chance of playing against Real, his PSG coach Unai Emery says © AFP / GEOFFROY VAN DER HASSELTPARIS, France, Feb 27 – Neymar still has a “small chance” of playing against Real Madrid in the Champions League and there are no plans for an operation on his cracked bone, Paris Saint-Germain coach Unai Emery said on Tuesday.“For Neymar there has been no decision to have an operation,” said Emery, denying an earlier report in the Brazilian press that the world’s most expensive player would go under the knife to fix the cracked bone in his foot. “Neymar is the first to want to play every match, he’s very focussed on Real. I think there’s a small chance that he’ll be ready for the match,” added Emery.PSG trail 3-1 from the last 16 first leg in Madrid two weeks ago and the loss of Neymar would be a huge blow to their chances of overturning that deficit at the Parc des Princes on March 6 and reaching the Champions League quarter-finals.Neymar suffered a cracked metatarsal in his foot and a twisted ankle in an innocuous looking incident against Marseille on Sunday night.And while Spaniard Emery said there is a possibility he’ll recover by next week, he was more pessimistic than he had been on Sunday night.“Today, after analysing Neymar, it looks less likely than it did on Sunday that he’ll be ready for this match,” said Emery.However, he was clear in his dismissal of a report published by Brazilian newspaper Globo Esporte on Tuesday morning that claimed a decision had already been reached for Neymar to undergo an operation, and that he would be out until May.– ‘Tranquility and patience’ –“Last night (Monday) the club issued an official statement: it said how the player was medically,” said Emery.“Things (like operations) aren’t decided like that,” he added, clicking his fingers.“You need discussions with the doctor, the player, his entourage.“To make such an important decision you need tranquility and a bit of patience.“Right now, I don’t think you need anything else. There’s a lot of information from outside, but the truth is what I told you, which is what the doctor told me.”Neymar was visibly in pain before he was stretchered from the pitch © AFP / GEOFFROY VAN DER HASSELTWhile PSG’s primary concern is having the world’s most expensive player available for their Champions League match next week, in Brazil it is Neymar’s participation at the World Cup that is most pressing.The 26-year-old captained Brazil to their first ever Olympic gold medal 18 months ago on home soil and is seen as crucial to their hopes in Russia in June and July.Were he to undergo an operation now and return to fitness in May, that would suit Brazil, who could then rely on a fully fit and fresh Neymar for the World Cup. Four years ago, Neymar missed the semifinal against Germany with injury and Brazil were thrashed 7-1.Globo had said Neymar would have a “pin” attached to his metatarsal bone and would be fit to return in May.Recovery from metatarsal injuries usually take weeks, if not months.Just last year, Neymar’s international team-mate Gabriel Jesus was out of action for two months after breaking a metatarsal playing for Manchester City.Former England stars David Beckham and Wayne Rooney spent six weeks on the sidelines with metatarsal injuries in the past.Earlier on Tuesday, AFP spoke to a number of medical experts who all set a downbeat tone.“It would be very risky as it’s a fragile bone in the foot which is difficult to protect,” said Jean-Marcel Ferrat, a former doctor with the France national football team.“(Playing against Real) could compromise the rest of his season.”Parisian osteopath Alain Gosp Server said such injuries normally take “three weeks to heal”.“It will all depend on his treatment but what’s sure is that he wouldn’t be at 100 percent (in eight days),” added Gosp Server.0Shares0000(Visited 1 times, 1 visits today)last_img read more