These days, the financial world seems to just keep getting tougher and tougher to live with. Our current economic crisis was mainly caused by suspicious lenders and credit card agencies that gave loans out like candy, even if the borrower in no way could afford the debt. It seems that today in our current financial mess that credit is not as important as it used to be, a major reason being because people have begun to open their eyes and realize that this is all just one giant ponzi scheme. Credit is like a piece in the game, and kept people playing the game until our crisis hit. Once it hit a vast amount of Americans begun defaulting on debt they have acquired, and this has caused their credit score to go way down.
But even though many Americans are not worried about their score no longer, there is still a significant amount of people out there who have maintained excellent scores and have not been affected by our economic crisis. A lot of these people may be self employed or work in a field of business were credit is important. If you are one of the people in this situation it is important that you msake sure no creditor is reporting debt to the credit bureaus that you have never acquired.
There are plenty of people asking the question of how do I report a bad debt to credit bureau because shockingly enough there really are bold and unsavory creditors out there who falsely accuse people of debts they have never run up. This is no good and it means that you are going to carry that fake bill around as if you have been irresponsible when you had nothing to do with it in the first place. You can report these creditors to an attorney and take action. In fact, in most cases that is precisely what should be done. You can find many attorneys and services out there that offer this type of assistance such as pre-paid legal. With such services an attorney can draft up a dispute letter for you to send to the credit bureaus in an attempt to get the debt removed from your credit score completely.
You can also attempt to send a letter to the credit bureaus yourself, but many times they will take a long while to respond so check your state for consumer protection agencies and if you need to, scour the federal government for help as well. Send these this letter multiple times to all three bureaus in an attempt to get your voice heard. Never let any agency take advantage of you!