How to Dispute Credit Reports
It is a good idea to check your credit report once a year to check for errors. Regularly checking their credit report is how many victims of identity theft learned they were being victimized. If you do find errors on your credit report, you can dispute those errors. This article will instruct you on how to dispute credit reports.
How To Dispute Credit Reports
Obtain two copies of your credit report and circle each error.
Write a letter to each credit bureau, which includes Equifax, Experian, and TransUnion. Include your name and address on the letter. Include details about the errors, why they should be removed, and include documents that support your case.
Make a copy of the credit report, letter, and support documents.
Mail everything by certified mail to each credit bureau. Request a return receipt from the post office so you know that each letter was received.
Write a letter to each company that supplied the inaccurate information. Explain why the information is incorrect and ask them to correct the information. Make a copy of the letter, mail it by certified mail, and obtain a return receipt.
You should receive a response from each credit bureau and the creditor. The credit bureau is required to investigate your dispute and send you the results in writing along with a new credit report after the errors have been removed.
If you do not hear anything within 45 days, file a complaint with the Federal Trade Commission.
Continue contacting the credit bureaus.Ask they credit bureau to include a copy of your dispute with any future credit reports if they do not find the errors have merit.