Debt Consolidation Credit Counseling In Phoenix

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.

However the first step is to request a copy of your credit report. This can be done for free from annual credit report. It is your right to have a free copy of your credit report from each credit bureau once a year.

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 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 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.

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.

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 have multiple bad credit items you wish to dispute then I suggest hiring a service, in addition they will have no problem getting a valid dispute submitted. However if you only have one or two bad credit items to dispute then you can do it yourself.

You should also know that a dispute letter must be sent to each credit bureau. Failure to do this and the other two major credit bureaus will still show the negative listing even if Experian removed it from your report.

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.