How To Dispute Experian
To dispute Experian credit bureau a dispute letter must be sent. When the bureau receives your letter they will investigate the dispute.
The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.
When you have your credit report you must identify what listings are inaccurate or incorrect. These will be the listings that you dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If it is found to be invalid then they will write you requesting more information about the dispute. If this happens you will need to respond accordingly and provide the requested details.
However if your dispute is found valid they will conduct an investigation. During an investigation they will contact the creator of the listing and ask them to verify the account, the dates, and the amounts.
It has been found that investigations will often result in a listing being removed. This is a result of many businesses being unwilling to spend the resources verifying disputed debts.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
The benefit of a service is they can use advanced dispute techniques such as; debt validation, escalated dispute information requests, and creditor direct intervention.
If you only have minor damage on your report then I suggest repairing your credit yourself. However if you have multiple negative marks on your report I suggest a service. They can also help getting a valid dispute submitted to the bureaus.
Be aware that you must send a dispute letter to each credit bureau. If you do not you may remove a negative mark from your Experian credit report however this mark will still be on your Equifax and Transunion credit report.
In sum you can remove bad credit items from your credit report. To do this you must dispute the item with each credit bureau.
The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.
When you have your credit report you must identify what listings are inaccurate or incorrect. These will be the listings that you dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If it is found to be invalid then they will write you requesting more information about the dispute. If this happens you will need to respond accordingly and provide the requested details.
However if your dispute is found valid they will conduct an investigation. During an investigation they will contact the creator of the listing and ask them to verify the account, the dates, and the amounts.
It has been found that investigations will often result in a listing being removed. This is a result of many businesses being unwilling to spend the resources verifying disputed debts.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
The benefit of a service is they can use advanced dispute techniques such as; debt validation, escalated dispute information requests, and creditor direct intervention.
If you only have minor damage on your report then I suggest repairing your credit yourself. However if you have multiple negative marks on your report I suggest a service. They can also help getting a valid dispute submitted to the bureaus.
Be aware that you must send a dispute letter to each credit bureau. If you do not you may remove a negative mark from your Experian credit report however this mark will still be on your Equifax and Transunion credit report.
In sum you can remove bad credit items from your credit report. To do this you must dispute the item with each credit bureau.
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For a free credit repair letter to dispute bad credit items on your credit report or to learn about how you can dispute midland credit a common collection agency visit us.
posted by Credit Counseling at
8:45 AM
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