• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
Law Offices of Jonathan G. Stein Logo
(916) 247-6868
  • Home
  • About Me
    • Organizations, Publications and Presentations
  • About You
  • Practice Areas
    • Debt Collection
    • Estate Planning
    • Personal Injury
    • Landlord Tenant
  • Client Testimonials
  • Resources
    • Blog
    • Brochures
    • Helpful Links
  • Contact

California Debt Blog: Adding a writen statement to your credit report

January 5, 2009 by Jonathan Stein

Melody Warnick wrote a couple of great articles at Creditcards.com on adding a written statement to your credit card statement.

The first article is on how to add a written statement to your credit report. What is a statement? “A provision of the Fair Credit Reporting Act allows you to add comments to your credit report that can cover ‘any number of items or topics they wish,’ according to Steven Katz, a spokesman for credit bureau TransUnion.

Why do you want a statement? For a variety of reasons, but as yours truly said in the story “Filing a statement shows that the consumer is educated about their rights, and that’s what debt collectors try to avoid. They can’t collect money as easily from people asserting their rights.”

Basically, if you start asserting your rights, debt collectors will move on more often than not. Debt collectors generally want to get money from the easy consumer who will just pay. Once you make them work for it, most debt collectors go away.

The second article has sample consumer credit report statements. There are a variety of statements and you should read them to see if you find one to fit your situation.

Great work by Melody.

Categories: Current Affairs, FCRA, News

Primary Sidebar

Sign Up For Our Newsletter Below

Lists*

Allow Me to Help You

    Footer

    Contact Us

      Practice Areas

      • Debt Collection
      • Estate Planning
      • Personal Injury
      • Landlord Tenant
      The information contained in this website is provided for informational purposes only, and should not be construed as legal advice on any matter. The transmission and receipt of information contained on this Web site, in whole or in part, or communication with The Law Offices of Jonathan Stein via the Internet or e-mail through this website does not constitute or create a lawyer-client relationship between this firm and any recipient. You should not send any confidential information in response to this webpage. Such responses will not create a lawyer-client relationship, and whatever you disclose will not be privileged or confidential unless this firm has agreed to act as your legal counsel and you have executed a written engagement agreement with The Law Offices of Jonathan Stein. The Law Offices of Jonathan Stein © 2023. All rights reserved. | Sitemap | Privacy Policy | Disclaimer