Your credit history has a direct effect on your financial health. Having negative items on your credit report, such as late payments, charge-offs and collection accounts, can bring down your credit score and make it difficult for you to qualify for a new credit card or loan. Even worse, the credit bureaus who keep a record of your credit history can make mistakes, giving you a negative rating you do not deserve. By law, you have the right to review your credit report and dispute inaccurate information.
Instructions
How to Dispute a Credit Report Through the Mail
- 1
Order a copy of your credit report from each of the three major credit bureaus. By law, you can order a copy of your credit report from TransUnion, Equifax and Experian free once a year through Annual Credit Report.
2Print a copy of the credit report.
3Review the credit report carefully and circle any errors, including accounts reporting inaccurate information and accounts that do not belong to you.
4Write a letter to the credit bureau indicating that you wish to dispute the information. Be as detailed as possible when explaining the error.
5Gather any documents to support your dispute, including copies of paid bills or written letters between you and the creditor.
6Attach your documents and a copy of your credit report to the back of your dispute letter. Mail the dispute letter certified mail.
How to Dispute a Credit Report Over the Phone
- 7
Contact the credit bureau that reported the error and inform them that you wish to open a dispute.
8Provide the customer service representative with a detailed explanation of why you are disputing the information. Ask the representative for her full name and extension. Write the down the date and time or your call as well as your claim number and the name and extension of the representative.
9Contact the credit bureau 30 days from the date of your original call and verify that they have conducted an investigation. By law, the credit bureau must investigate your claim and remove or correct inaccurate information within 30 days.
How to Dispute a Credit Report Online
- 10
Visit the credit bureau's website and click the link to file an online dispute.
11Enter in the requested information in every text box on the online dispute form, being as accurate as possible.
12Press "Submit" to start your online dispute.
13Contact the credit bureau in writing or by telephone if you have not received a response within 30 to 45 days from filing your dispute.
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