Debt Consolidation Credit Counseling In Phoenix

To dispute Experian credit bureau a dispute letter must be sent. When the bureau receives your letter they will investigate the dispute.

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 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.

If your dispute is valid then an investigation will be held into the mark. In an investigation the bureaus will contact the business that made the negative mark on your report and ask them to verify the debt, the dates and the balance.

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.

Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.

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.

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.