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Friday, November 28, 2008
To file a dispute with Experian credit bureau you must write a dispute letter. When they receive your dispute letter they will investigate the disputed listing.
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.
Once you have received your credit report you need to identify what marks are incorrect. These are going to be the marks that you will 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 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.
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.
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 advantage of having a service is in case the listing is verified they have advanced dispute techniques they can use. These include; escalated dispute information requests, debt validation, 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.
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.
Once you have received your credit report you need to identify what marks are incorrect. These are going to be the marks that you will 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 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.
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.
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 advantage of having a service is in case the listing is verified they have advanced dispute techniques they can use. These include; escalated dispute information requests, debt validation, 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 www.lexingtonlaw.com a suggested credit repair service visit us.
posted by Credit Counseling at
1:22 AM
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