How to Dispute Items on Your Credit Report
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How to Dispute Items on Your Credit Report

Many people overlook negative items on their credit report and some never realize that there are negative reportings on their credit report.

Many consumers do not realize that many people have mistakes and errors on their credit report. These mistakes are sometimes accidental and can have an effect on your credit score. Credit bureaus have taken the initiative to make the process of disputing items on your credit report proficient. Knowing how to dispute a credit report is very beneficial for all to learn and the process these days can all be done online as well as by mail.

You should constantly take a look at your credit report or a least once per year so you can scope out mistakes and or fraudulent errors. Many times, people who have been the victim of identity theft find out their credit has been compromised when they take a look at their credit report. If you do not see mistakes or error then you are still well within your right to dispute your credit report. According to the FCRA or the Fair Credit Reporting Act, there are three main credit bureaus that must correct all inaccurate information found in your credit report. TransUnion, Equifax and Experian are the three main bureaus as well as the creditor that reported inaccurate information is responsible for the removal of such information.

Make a least two copies of your credit report and highlight or circle any inaccurate information. Write a formal letter to the bureau that you received the report from stating the inaccurate information you have discovered on your report and the reason why they are inaccurate and why they should be removed or possibly updated. If you have any documents to support your findings then you should send them along with your letter.

Send the letter, the credit report and any supporting documents to the credit bureau by certified mail. Go ahead and write another letter to your creditor that provided the inaccurate information explaining why the information is wrong and request that they update there records accordingly. Also, send supporting documents or information if it is assessable to you.

Be patient and wait for their response. According to the Fair Credit Reporting Act, they are required to examine and investigate your dispute. On the other hand, they are not required to do so if they believe that your dispute has no merit. Given the event that an investigation is performed, they must correspond the results of their finds in writing to you, as well as an updated copy of your report after errors have been deleted of removed. You should also receive correspondence from the creditor as well.

If it has been at least 45 days and you have not heard anything back from the credit bureau or creditor, try filing a notion of complaint with FTC or Federal Trade Commission. You will be asked a series of questions that usually take between 5 and 6 minutes to answer. The information you give to them will be used to investigate unprincipled practices. Additionally, you can continue to contact the creditor by phone or by writing.

In the event that your creditor determines that your dispute does not have legitimacy, require that they supply a copy of your dispute along with any forthcoming credit reports. This will guarantee that impending creditors know that you have disputed the contents of the credit report.


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