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Saturday, December 20, 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.
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.
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.
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 your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
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 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 remove bad credit items from your credit report. To do this you must dispute the item with each credit bureau.
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.
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.
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 your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
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 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 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
9:35 PM
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