The Fair Credit Reporting Act--a federal law--requires credit bureaus to remove any inaccurate information at your request. By law, the bureaus have about 30 days to investigate your claim and remove the inaccurate information. The process for challenging inaccurate information on credit reports is simple, and the Federal Trade Commission strongly encourages you to do it yourself and stay away from so-called credit repair agencies. The agencies are unable to perform any services regarding your credit reports that you cannot do yourself.
Instructions
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Get a copy of your credit report from Annual Credit Report (see Resources), the only website authorized by the Federal Trade Commission to provide you with free credit reports as required by federal law. You are entitled to three reports every 12 months, including one each from the nationwide credit bureaus--TransUnion, Equifax and Experian. By ordering one report every four months you can monitor your reports year-round for free.
2Find the incorrect information on your credit report. The account may not belong to you or it may be reporting as past due although you have always paid on time.
3Write a letter to the credit bureau stating that the information is wrong, and list the reasons why. Include your name, address and telephone number. Mail the letter to the address on the credit report. The credit bureau will respond by mail within about 30 days. Or go on to the next step for another option.
4Challenge the inaccurate information online by visiting the website for the credit bureau (see Resources). To enter your dispute online you will need a report number or reference number from the credit report you obtained from Annual Credit Report. A response will be emailed to you within about 30 days.
Went through a divorce and found out that my X trashed my credit. In December when I took back my financial life, I was ruined. I discovered my FICO score was at 533, all account was late, over limit, mostly charge offs. Debt was worth $60k. Immediately I put a plan of action on how to fix my credit, because I needed a car for myself. But with my current credit score then I won’t get approved due to the charge offs and debts coupled with low credit score which appeared in my credit report. Thanks to ROOTKITS CREDIT SPECIALIST who was there for me when I needed them the most. After when I spoke with my dad I explained my situation to him, he introduced me to rootkits credit specialist, immediately I contacted them via: rootkitscreditspecialist@gmail.com also texted on +1 760 474 3440. I got replied few minutes and I explained myself and they promised to get job done. Within 5days my credit score changed, charge offs were deleted from my report, all debt cleared and my credit score was raised to 815 across the 3 credit bureaus. My car loan has been approved, I’m super excited to jump into my 2019 Mazda CX-5 car.
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