Credit reporting agencies must investigate and fix any errors on your credit report when you send in a credit dispute letter.
Failure to fix the mistakes within 30 days is a violation of the fair credit act, also known as the Fair Credit Reporting Act (FCRA), and you can file a lawsuit against them to get your credit report errors corrected.
Knowing how to dispute credit report errors is crucial in fixing your credit score.
Our credit dispute lawyers will make sure you write a strong dispute letter and file suit against the credit reporting agencies.
Get in touch with our credit dispute lawyers to learn how to dispute credit report errors.
You can reach us at (818) 254-8413. We give free legal advice!
Correcting Credit Report Errors from Credit Bureaus
The 3 major credit bureaus that can correct your credit report errors are Experian, Equifax, and TransUnion. The dispute process of your credit report errors is somewhat similar across the 3 major credit bureaus.
For example, an Equifax dispute would involve writing a credit dispute letter to the agency or file a lawsuit against the bureau. Since each agency’s records can be inconsistent with each other, it is a good idea to gather a copy of your credit report from all three agencies.
How to Write a Strong Credit Dispute Letter
Writing a strong credit dispute letter involves:
- Finding as many errors you can find on your credit report and
- Compiling documents to support your claims.
This is one of the best ways to dispute credit report errors. It sends the credit bureaus a physical copy of your letter, and it provides them the supporting documents for your claims so they do not have to waste time tracking them.
Be warned, some agencies now offer the option to file a dispute online. Some online dispute systems provide just enough space to write your dispute and not enough to provide further explanations. Sending a dispute letter will ensure that you have enough space to provide an explanation.
Make sure to get a recent copy of your credit report to identify the latest errors. You can get a free annual copy of your credit report here.
The credit reporting agencies have to investigate and correct any mistakes on your credit report within 30 days of receiving your dispute letter.
What To Do if Credit Reporting Agencies Do Not Respond to the Dispute Letter
If credit reporting agencies do not respond to your dispute letter within 30 days, you can file a lawsuit against them to correct the errors.
Be wary when taking your case to court. The credit reporting agencies will use every trick in the book to throw out your case.
This is why it is important to write a strong dispute letter (rather than filing online) and include supporting documents. The court can favor the agencies if they decide that there were not enough information for the bureaus to investigate.
Free Consultation – Learn How to Make Credit Reporting Agencies Correct Your Credit Report
Our credit dispute lawyers will make sure you write a strong credit dispute letter and file a lawsuit against the credit reporting agencies. We will fight against the intimidating credit bureaus to make sure your case emerges successfully.
Reach out to our lawyers at (818) 254-8134 to learn how you can make credit bureaus fix your credit report errors.
The consultation is free!