Credit report dispute a personal experience. My name is Justin and I had to dispute my Credit report, let me give you some free tips and advice.
I found errors and outdated information on my credit report, If I did not fix this fast it could have severely damaged my credit score. If you are in the same position, don’t delay as you could hit with permanent credit score damage. Did you know that 79% of all credit reports contain errors! Yes, your not alone. A whopping 79% of all credit reports contain some type of report error. Did yo also know that up to 25% contain errors, this will most likely result in credit denials. Also, it could mean hiked interest rates and a direct loss employment opportunities!
Act Fast - But Smart So many of the great things in your life are related your personal credit score. From the street that you live on and even to the car that you drive. Actually, everything in your life is affected by your credit score.
Don’t Delay You need to write to the Credit Bureau and solve any errors as soon as possible. Let’s look at what you need to do.
What are the actions I need to take? You might already have a copy of your credit report as you know you have an error or mistake on your report and want to dispute it, Even if you do have a copy you need all three copies form the 3 credit report bureaus.
Best to get a 3 in 1 report as this will save time and money. Here are the prices:
- Equifax, Get 3-in-1 Credit Report with Score Power $39.95
- Experian - 3 Bureau Credit Report and PLUS Score for $34.95
- TransUnion - A 3-in-1 Credit Report with FREE for $29.95
So, What’s the Process of disputing a claim? Easy!, just follow these helpful tips for a dispute:
- Make sure you put everything in writing.
- Be sure to dispute each item in a separate letter.
- Include your name, address and Social Security number for verification.
- It’s wise to send all letters certified mail and return receipt requested.
- Be sure to make copies for your files.
- Don’t give up, be persistent and write several demand letters may be necessary.
- Know that credit bureaus are required to show disputed items as “Disputed” on your credit report.
- Provide enough information for the credit bureau to conduct their investigation.
Finally, know that once negative items are removed you can request (make sure this is done, it’s very important) the credit bureau to send correction notices to anyone who has received your credit report in the past six months (two years for employment purposes).
If your dispute request unsuccessful? Do this: Send a “Statement of Dispute” - This will demonstrate that all your attempts at resolving the dispute have failed. So, file a dispute with the credit bureau’s National Consumer Assistance Center. For you to enter such a dispute just call the telephone number which included with your credit report or complete a “Reinvestigation Request” Consumer Response Center, FCRA, Federal Trade Commission, Washington, D.C. 20580
A final word, be warned about Illegal disputes It is considered illegal for you to change your social security number to obtain a clean bill of credit. so take not that If any company might suggest this type of credit repair be sure to report them to the authorities.
I sincerely hope that this article gives you with a few tips and provides you some good advice on filing a credit report dispute.
To get more advice and information on credit report dispute, or Credit Score and Credit Reports click on a www.credit-reporter.net
Written By: Justin Fox
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Tags: credit report, Credit Report Dispute, Credit S, debt, financy tips, Good Credit Score
