How To Dispute A Credit Report Error

If you’re trying to build your credit score, the responsible thing is to check your official credit report regularly.

Keeping up with your credit report is vital. Mistakes are more common than you might think. A study from Consumer Reports found that more than a third of people see an error on their report.

Many sites say they can provide your credit report for free, but many scams ask for your payment information and charge you after a trial period.

What Should You Look for in Your Credit Report? All of your account information – payment history, account balances, credit inquiries – will be listed on the report.

Your credit report will have a section for the information that negatively impacts your score. Ensure that all of the information in this section is accurate and from your accounts.

The error could appear on only one bureaus’ report, or it could appear on all three. If it’s the latter, then you’ll have to start a separate dispute for each one.

You can file again and provide additional files for your case. Be careful, though, because if you resubmit with the same information.

If you’re sending your dispute in the mail, you should type and print your letter rather than handwriting it. This will ensure that your writing is legible for whoever is reviewing it.

If your dispute gets rejected You can file again and provide additional files for your case. If you get rejected again, you can file a complaint with the Consumer Financial Protection Bureau.

According to Consumer Reports, if the company you file against is found to have committed a violation, your attorney fees could be covered automatically.

Swipe Up To Read More