How To Dispute Experian
To file a dispute with Experian credit bureau you must write a dispute letter. When they receive your dispute letter they will investigate the disputed listing.
The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.
When you have your credit report you must identify what listings are inaccurate or incorrect. These will be the listings that you dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If they find your letter invalid you will receive a letter from them asking for more details about the dispute. You should respond accordingly and provide them with the information.
However if your dispute is found valid they will conduct an investigation. During an investigation they will contact the creator of the listing and ask them to verify the account, the dates, and the amounts.
Frequently an investigation will result in the removal of a bad credit item. This happens because many businesses are not going to spend the time or money verifying a disputed debt.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
The benefit of a service is they can use advanced dispute techniques such as; debt validation, escalated dispute information requests, and creditor direct intervention.
If you only have minor damage on your report then I suggest repairing your credit yourself. However if you have multiple negative marks on your report I suggest a service. They can also help getting a valid dispute submitted to the bureaus.
You are going to need to dispute a bad credit item with each credit bureau. This means you will have to send a separate letter disputing the same item with each bureau.
In sum negative items can be removed from your credit report. You do not have to live with the high cost of low credit.
The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.
When you have your credit report you must identify what listings are inaccurate or incorrect. These will be the listings that you dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If they find your letter invalid you will receive a letter from them asking for more details about the dispute. You should respond accordingly and provide them with the information.
However if your dispute is found valid they will conduct an investigation. During an investigation they will contact the creator of the listing and ask them to verify the account, the dates, and the amounts.
Frequently an investigation will result in the removal of a bad credit item. This happens because many businesses are not going to spend the time or money verifying a disputed debt.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
The benefit of a service is they can use advanced dispute techniques such as; debt validation, escalated dispute information requests, and creditor direct intervention.
If you only have minor damage on your report then I suggest repairing your credit yourself. However if you have multiple negative marks on your report I suggest a service. They can also help getting a valid dispute submitted to the bureaus.
You are going to need to dispute a bad credit item with each credit bureau. This means you will have to send a separate letter disputing the same item with each bureau.
In sum negative items can be removed from your credit report. You do not have to live with the high cost of low credit.
About the Author:
For a free sample dispute letter to dispute and remove bad credit items on your credit report or to read a review of Lexington Law Firm a suggested credit repair service visit us.
posted by Debt Consolidation Loan at
2:43 PM
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