First see our last blog on how to obtain and check your credit reports.
If you find inaccurate information on your credit report, you will want to dispute the information immediately.
You have the the option to do this online through their website but you risk the clicking the wrong action code that they place in their system.
The best way to dispute the inaccurate information is to send a letter by certified mail. This way you are provided with a return service to verify that they received your dispute letter. This also gives you the comfort of knowing that a real person is looking over your information instead of a computer inputting your information.
in your letter you want to be as detailed as possible. You will want to send a letter to each bureau or lender that is reporting inaccurate information.
It is important to save all documents that are relevant. These can include all of your credit reports from TransUnion, Equifax, and Experian; as well as any letter from creditors from lenders (creditors: credit companies, loan companies, etc.), and baking institutions. Be sure to make copies to send out and keep the originals for yourself and keep them in a safe place to have on hand.
You may have the documents in your email or your lender accounts. You may even be able to request them from the companies if they have been misplaced. Don’t lose hope, try to be as resourceful as possible.
In your letter, be sure to state your Full Name, Social Security Number, Date of Birth, and Current Address.
When stating your dispute, be as detailed as possible. Mention all the inaccuracies you’re are disputing. Be sure to provide proof with documentation. Include:
Copies of your credit report
Copies of letters you received from lenders that reported the inaccurate information to the bureaus.
If you find that your name or social security number is incorrect, be sure to make copies of your Drivers License and Social Security Card and send those in along with your letter as well.
By law they have thirty days to respond from the date they received the dispute. After their investigation, they will send you investigation results by mail. They may update your information or they may verify that the information they have on file is accurate.
This process may be confusing and you will likely have many questions. You can contact us for a free consultation and help. We can help determine what steps you may need to take next and if the inaccuracies have impacted you enough that it prevented you from obtaining credit.
You can contact us by filling out our contact form:
Or
Contact our Legal Assistant Sheri at sheri@centolaw.com
By phone: 317-804-1623 Feel free to leave a voicemail or send a text message and we will get in touch immediately