To have a good life, you need to have good credit. Our credit score is often the factor that determines whether or not we get a job, a loan, and other essential opportunities. This is why it is so important to keep track of your credit report and monitor if there are any errors which may affect your future credit score entered there. Below are 5 steps to teach you how to dispute your credit report and win.
- Download a dispute form:
You can find one of these online or obtain one from the credit bureau that has entered in the error to your credit report. Once you have obtained one, fill it in with all the personal details required.
- Print your Credit report:
Print your credit report and place an emphasis on all the areas where there is an error.
- Provide evidence:
To further prove the validity of your case, you will need to provide evidence that backs up your claim and proves it as unquestionably valid. For example, if the clock on an old debt is re-started, you should send a letter gotten from your debt collection agency to all three credit bureaus stating that the debt which they are trying to collect has been resolved. Attach such documents to your credit report to back up your claim.
- Write an explanation letter
Carefully explain each area that you are disputing in writing. The letter should include your name, address, city, state, zip code, date, and an explanation for why you are disputing the items that you are disputing.
- Ensure that they receive your letter
One great way to ensure that your letter has been received by the appropriate bureau is by sending it via certified mail with a return receipt. It usually takes about 30 days for the credit bureau to investigate your dispute. You should receive a reply afterwards.
Note: it is advisable to send only copies of your document to the bureaus. Keep the original documents for yourself, as you may need them later.
If you have any questions or complains about your credit report, call us now at (8770 700-5790; we are always happy to help.