Dispute Experian
To dispute Experian you must compose a dispute letter and mail it to them. Upon receipt of your letter they will investigate the disputed item.
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.
Often your credit report will be made available online; you need to then decide what items are inaccurate or incorrect. These are going to be the items you dispute.
You can dispute these listings by writing a dispute letter and then mailing it to Experian credit bureau. When they receive your dispute letter they will decide if it 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.
Often investigations will result in removal of a negative mark. This is due to many businesses not verifying debts because it costs them money to do so.
A credit repair service can also be hired to remove negative credit from your report. With this option you only need to identify the marks you wish to dispute and the service will do the rest.
In case an item is verified then a credit repair service can be very helpful because they have advanced dispute techniques. These include; creditor direct intervention, escalated dispute information requests, and debt validation.
I suggest do it yourself credit repair if you have only minor damage on your report, however if you have multiple marks I suggest a credit repair service. I also suggest a service if you are having trouble submitting a valid dispute or you have had a mark verified that should be removed.
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 negative items can be removed from your credit report. You do not have to live with the high cost of low credit.
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.
Often your credit report will be made available online; you need to then decide what items are inaccurate or incorrect. These are going to be the items you dispute.
You can dispute these listings by writing a dispute letter and then mailing it to Experian credit bureau. When they receive your dispute letter they will decide if it 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.
Often investigations will result in removal of a negative mark. This is due to many businesses not verifying debts because it costs them money to do so.
A credit repair service can also be hired to remove negative credit from your report. With this option you only need to identify the marks you wish to dispute and the service will do the rest.
In case an item is verified then a credit repair service can be very helpful because they have advanced dispute techniques. These include; creditor direct intervention, escalated dispute information requests, and debt validation.
I suggest do it yourself credit repair if you have only minor damage on your report, however if you have multiple marks I suggest a credit repair service. I also suggest a service if you are having trouble submitting a valid dispute or you have had a mark verified that should be removed.
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 negative items can be removed from your credit report. You do not have to live with the high cost of low credit.
About the Author:
For a free sample dispute letter to dispute and remove bad credit items on your credit report or to read a review of Lexington Law Firm a suggested credit repair service visit us.
posted by Credit Counseling at
9:34 PM
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