Section: Bad Credit Credit Repair

Dispute Credit Report

When you want to remove or change an item on your credit report, you do a dispute credit report process. It is very easy as you will see.

They Told Me There Was Nothing I
Could Do About My Very Bad Credit
. . . I Proved Them Wrong . . .
And I'll Show You Just
How I Did It!

- Stop Collection Agencies From Calling Instantly!

- Stop Collection Agencies From Reporting Now!

- REMOVE Negative Items From Your Credit Report!

- Learn A SECRET That Collection Agencies DON'T Want YOU To Know!

- Get Credit Building Secrets!

- And much much more.

[ Click Here For The Credit Book ]

DISPUTE CREDIT REPORT - process overview

When you send a dispute letter to a credit bureau stating an item is wrong, the credit bureau has thirty (30) days to try and verify the information is correct. Many times this proves tough for them. If they can not do so, they must correct the information as you stated (or delete the item/trade line).

The dispute letter you send is very simple (see our sample letter section). You can send it regular mail however I recommend spending a couple dollars and send it with tracking so you know they received it and when the thirty (30) day clock has started.

DISPUTE CREDIT REPORT - dispute examples

Below are a few example of a typical credit report dispute to give you an idea of what you can dispute.

Credit Account XXXX is not mine, please delete it.
Credit Account XXXX is reporting a credit limit of $200, the correct limit is $4,000.
Credit Account XXXX is showing some late pays in the trade line. It was never late and always paid on time.
Credit Account XXXX is reporting the date of last activity as 05/02 when it was 03/01.

DISPUTE CREDIT REPORT - credit bureau responses

Sometimes the credit bureau will send you a response letter. Normally you can ignore these, especially if they look like they are asking you for more information (like printing out your dispute again). They do this to trick you. If you submit more information on your dispute, they get 15 more days.

If you happen to dispute an item and it comes back as verified (no action taken), put that aside for a few months and try it again.

DISPUTE CREDIT REPORT - tandem action

If you are going to dispute a negative item on your credit account that involves a collection agency, follow this process to help ensure success.

1. Send the collection agency a VOD letter (CRRR method). Once you have confirmation the letter was received, proceed to step two.

2. Send a dispute letter to the credit bureau, with tracking.

This does a couple of things. It locks up the collection agency from verifying the information with the credit bureau until they legally validate this debt to you. If they can not do this, or do not do so promptly, the credit bureau can not verify the information since they only have 30 days to do so. This would result in your request being completed. If the item comes back verified and the collection agency did not validate the debt, you now have them in violation of the law and can pursue legal action if desired.

Link to us

In order to link to us, you must use proper linking format. This page will guide you into selecting the right linking code. We appreciate all those who link to us.

Link Exchange

Would you like to exchange links? Exchange a link with one of our sections today. This section will help you facilitate a link exchange with us.

[Site Map]

Consumer Group | Free Credit Repair | Editing Writing Services