How To Dispute Credit Report and Erase Items On Your Credit Report

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dispute credit report
by Thomas Hawk

You want to dispute your credit report and remove information that is not correct or that is hurting your credit score, right? How do you go about doing this? After all is this even legal to remove bad credit?

Is a common misnomer that credit repair is illegal or that if you dispute an item on your credit report that you know is correct you’ll face criminal charges. The truth is Congress has explicitly created and passed laws to protect your right to dispute any item on your credit report.

How Do I File A Dispute

The first thing you need to do is get a copy of all three of your major credit reports. The reason you have to get a copy of each is because often the information contained on your report with each bureau will be different.

A common mistake many consumers make is by just getting one credit report and then sending a dispute letter to all three bureaus based off the information from that one credit report. If you send the dispute for an item that is not contained on that bureaus credit report, you are shooting yourself in the foot. We have heard that credit bureaus will blacklist you and ignore any future dispute attempts you make.

Make sure you dispute the right items with the right credit bureau. In other words only challenge items on your Trans Union credit report with the Trans Union Credit Bureau.

In your dispute letter you need to include your name, your personal information, the item you are disputing, the reason for your dispute, and any supporting evidence you may have. You can file a dispute for many reasons such as: account is older than 7 years, account is paid, account is not mine, the balance is wrong…

Once the credit bureaus get your dispute and deiced it is valid they will conduct an investigation. When they investigate they’ll contact the collection agency or creditor that is reporting the bad debt and ask them to verify it. It is estimated that 3 out of every 4 bureau investigations result in a debt not getting verified, and if this is your result than the item must be removed from your credit report.

However you will probably have some difficulty getting your dispute deemed valid because of a few reasons. The credit bureaus frequently respond to consumer disputes requesting more information, but this is nothing more than a stall tactic.

Who Are The Credit Bureaus?

Many people believe the credit bureaus are a government agency. In fact the credit bureaus are private for-profit businesses that annually generate millions of dollars of revenue. They have public stock just like any corporation or business in America.

This is important because while the credit bureaus collect and record and provide your credit reports to lenders, they are still in the business of generating profits. If you have not connected the dots here, this means that the credit bureaus are going to avoid investigating consumer disputes because that is only an expense of doing business.

The Fair Credit Reporting Act requires the credit bureaus to investigate consumer disputes, however Congress also gave the credit bureaus the power to determine if your dispute is valid or not before they investigate. The reality is credit bureaus are only spending money when they investigate your dispute and because they are in the business or creating profits for their stock holders, they need to keep expenses to a minimum.

All of the major credit bureaus have been fined by the FTC, multiple times for not complying with the Fair Credit Reporting Act and investigating consumer disputes. This is why many individuals claim that credit repair is illegal or impossible. However the smart consumer turns to a professional to clean up their credit because you don’t have to just live with bad credit for 7 long years.

For more about disputing credit report and how you can go about fixing credit from your credit file visit us or call 800-230-1954 for a free credit repair analysis.

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The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA, which established the free annual credit report program.

Q: How do I order my free report?
The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.

You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.

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