By law, credit-reporting agencies must investigate information on your credit report that you report as inaccurate. You are entitled to investigation updates and written confirmation of the company's findings. Errors will be removed from your credit report.
Disputing Errors
Contact the credit-reporting company about the error. Experian credit agency permits online dispute submissions. However, the Federal Trade Commission recommends sending a registered letter to the credit agency detailing the error. Include copies of documents supporting your claim.
Process
Within 30 days, the credit-reporting agency contacts applicable creditors about the error. Creditors perform an investigation and notify the credit-reporting agency of their findings. After reviewing information from all parties, the credit-reporting agency sends you a copy of its decision.
Obstacles
If a credit-reporting agency does not find an error, contact the creditor directly via registered mail and request proof of their findings. The credit-reporting agency is obligated to send you creditor contact information.
Considerations
If the dispute is not resolved to your satisfaction, you may have a note placed on your credit report reflecting the dispute.
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