Credit Repair Letters Will Get Credit Bureaus to Fix Credit Report Errors

credit repair letters fix credit report errors

Credit bureaus are responsible for ensuring complete accuracy on consumers’ credit reports. Any errors found on credit reports can be disputed by sending credit repair letters to the credit reporting agencies. If the agencies leave any errors incorrect by the end of their investigation period, consumers can file a lawsuit against them to get the credit report fixed. The process of getting credit report errors fixed can be daunting and seemingly impossible to achieve. Consumers wondering who to call to help them dispute their credit report errors can contact credit dispute lawyers at Consumer Action Law Group.

Credit Dispute Letter Template Show How to Create Stronger Dispute

Composing a credit dispute letter without proper knowledge can result in a weak dispute and can leave consumers’ credit report filled with errors. Stronger credit dispute letters will increase the chance of getting the credit bureaus to fix the errors. Credit bureaus go through hundreds of credit dispute letters every day, so it is crucial to create a strong dispute letter to prevent the bureaus from discarding it. The Federal Trade Commission (FTC) offers some tips for disputing errors on credit reports:

  • Your letter should clearly identify each item in your report you dispute, state the facts and explain why you are disputing the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled.

Check out this credit dispute letter template from the FTC to see how to compose a solid dispute letter.

“Even when an error is found, the [credit] bureaus seem to be unwilling to address the consumer’s concerns and there appears to be no recourse,” said David Jones, president of the Association of Independent Consumer Credit Counseling Agencies. Credit bureaus do not always face consequences for not fulfilling their responsibilities to fix errors on consumers’ credit reports. This lessens their motivation to dedicate all their efforts into correcting credit report errors. One way that motivates them is the threat of a lawsuit against them for not properly investigating and maintaining thorough accuracy on their credit reports.

Credit Dispute Lawyers Show How to Dispute Something on Credit Report

Consumers can be left unsure if whether or not their credit dispute letter is as strong as it can be. To alleviate their uncertainty, credit dispute lawyers at Consumer Action Law Group have some pointers for disputing credit report errors:

  • “Finding as many errors you can find on your credit report and
  • Compiling documents to support your claims.”

Firstly, identifying as many errors as possible on credit reports will ultimately help consumers increase their credit scores as much as possible. Secondly, gathering documents that correspond with each claim will bolster the strength of the credit dispute letter. Attaching more documents will help the credit bureaus to quickly find and verify the legitimacy of your claims. It will also help in the case when consumers take their dispute to court. The credit bureaus will not be able to argue that the consumer did not provide enough information for them to pursue the claim if the consumer provided sufficient documents to prove inaccuracies on their credit report.

Composing a strong credit dispute letter will get errors on consumers’ credit reports fixed. If the credit reporting agencies do not properly investigate and correct any errors mentioned in the dispute letter within 30 days, consumers can sue them to make them fix the mistakes. Those who wish to create a strong credit dispute letter can get in touch with a credit dispute lawyer at Consumer Action Law Group to fix their credit score. They can be reached at (818) 254-8413. Their lawyers give free consultation.

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