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.
I suggest you first get a copy of your credit report. This can be done by going to annual credit report. They will issue you a free copy of your credit report with each bureau annually.
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 will dispute the items by creating your dispute letter and mailing it to Experian credit bureau. Once they receive your letter they will determine if it is valid or invalid.
If they find your letter invalid you will receive a letter from them asking for more details about the dispute. You should respond accordingly and provide them with the information.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
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.
You can also hire a credit repair service to dispute negative credit on your report too. If you choose this option you will only need to identify each mark you wish to dispute and they will do the rest.
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.
You are going to need to dispute a bad credit item with each credit bureau. This means you will have to send a separate letter disputing the same item with each bureau.
In sum you can dispute Experian and have them remove negative credit from your credit report. You must either hire a service or dispute the listings yourself.
I suggest you first get a copy of your credit report. This can be done by going to annual credit report. They will issue you a free copy of your credit report with each bureau annually.
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 will dispute the items by creating your dispute letter and mailing it to Experian credit bureau. Once they receive your letter they will determine if it is valid or invalid.
If they find your letter invalid you will receive a letter from them asking for more details about the dispute. You should respond accordingly and provide them with the information.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
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.
You can also hire a credit repair service to dispute negative credit on your report too. If you choose this option you will only need to identify each mark you wish to dispute and they will do the rest.
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.
You are going to need to dispute a bad credit item with each credit bureau. This means you will have to send a separate letter disputing the same item with each bureau.
In sum you can dispute Experian and have them remove negative credit from your credit report. You must either hire a service or dispute the listings yourself.
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
11:36 PM
0 Comments:
Post a Comment
Subscribe to Post Comments [Atom]
<< Home