If you find incorrect information in your credit report, or if you see a debt listed in your report that you know is not yours, you should dispute your credit record to the credit bureau in order to have the item removed.
You have the right to dispute any inaccurate or incomplete information that is contained in your credit report. There is no charge for this. If an account is not being reported 100% accurately, by law the credit bureau must remove it from your report.
Once you receive your credit report and inspect it, if you notice any errors, you will need to take immediate action. This is where a free dispute credit report letter will come in handy. An online dispute credit report letter will help you dispute these errors or mistakes on the credit report.
You should first report your error to the consumer reporting company in writing and make them aware that you have a credit report dispute. Make sure you include all your personal information like your name, address, and a list of each credit report dispute that have. Remember to send your letter by certified mail to prove that you have initiated a credit report dispute. The consumer reporting company will then investigate your credit report disputes and respond in 30 days. If they find there is an error and the credit report dispute can be resolved by correcting it then they will forward the information to the other credit bureaus and your credit report will be revised.
After reviewing your credit report dispute the consumer reporting company may decide that they disagree with the items raised in your credit report dispute and decline to pursue the matter any further. They will send you all of the evidence that they have and the reasons for not pursuing your credit report dispute, along with a copy of your credit report.
If it turns out that your bad credit is the result of a mistake, going to the credit bureau is usually all you need to do for credit repair. Keep in mind when requesting your credit report that many credit bureaus will make the process seem more difficult than it is, as in terms of man hours it is not in their interests to be responding to many credit report requests.