How To Dispute A Credit Report

When you are looking to dispute credit report information, start by carefully documenting what you think is wrong. You can submit your dispute by completing the appropriate dispute form or sending a credit report dispute letter to the credit bureau. If you need help determining how to write this letter you can find a sample credit report dispute letter on the web. Basically, you need to include information about you (name, date of birth, social security number and address), as well as information on the item you are disputing (account number, date, etc.). Send this along with a copy of the credit report showing the item you feel is in error. Keep copies of everything you send and mail the information through certified mail. This will provide you evidence of when the information was received. Take notes anytime you speak to anyone at the credit bureau. Get the name of the individual and carefully write down everything that is discussed. Within 30-days of receiving your dispute, the credit bureau must complete its investigation. You are then notified of the results.