The Right Way to File a Credit Report Dispute

Most people know that your credit report is a key factor in securing loans for big ticket items like a home or car. But what if your credit report has negative items that don’t belong to you? Then, you must start a credit dispute.
There are 3 credit bureaus: Experian, Equifax, and Transunion. Your credit report at these bureaus contains data like payment history, debt, and available credit. Each credit bureau keeps its own unique information about you, which means you might dispute credit with one agency, but not the other.
Some reasons you may dispute a credit report include: the account doesn’t belong to you, the item is out-of-date, you were never late, you agreed to an alternative payment plan, the account was sold in violation of the contract, the balance is wrong, etc.
It’s becoming more common to dispute credit report errors online. Equifax, Experian and Transunion all allow consumers to dispute credit right on the website. Consumers can easily track the stage of the investigation process, and hear back a lot sooner from the agency about the outcome. Some agencies still require a written letter for a dispute request.
When you dispute a credit report, an investigation begins to see if your claim is substantial. The agency contacts your creditor and asks them if you are telling the truth. Most the time, the creditor will say that your dispute can be resolved and the error will be deleted.
But, sometimes, creditors can be hard to deal with, and they will not give the agency permission to release the error. In this case, you have two choices: You can call the creditor directly and prove that you are correct and they should allow the credit dispute to be approved. Or, you can hire a credit repair firm, who will complete the credit dispute.
No matter what happens, one thing is for sure: Beginning a credit dispute is hard work. But after you complete your credit dispute, it’s worth it!
Many clients have found that hiring a credit repair attorney is a breath of fresh air. One client says, “After seeing what the credit attorney was able to do with my credit after only a few months, it is very reassuring. I’d like to thank them for everything that they are doing for me and express my appreciation for all of the hard work.”