Credit Report Dispute

by: RayLam
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Word Count: 354

If you find incorrect information in your credit report, or if you see a debt listed in your report that you know is not yours, you should dispute your credit record to the credit bureau in order to have the item removed.

The best way to dispute an inaccurate item in your credit record is to send a letter to the credit bureau explaining why you think the item is incorrect and asking that it be removed. Send the letter and copies of any supporting documentation via certified mail, return receipt requested.

Once you receive your credit report and inspect it, if you notice any errors, you will need to take immediate action. This is where a free dispute credit report letter will come in handy. An online dispute credit report letter will help you dispute these errors or mistakes on the credit report.

However, you should understand that you will need to provide proof that it is in fact an error. They will not simply take your word, and you are required to provide them with proof. This proof should accompany the free dispute credit report letter when sending it.

It may take some time and a lot of communication to prove the debt was not incurred by you, and that you are not responsible. But be persistent and you will eventually have this invasion removed from your credit report.

Another way to handle a credit report dispute is to contact the particular creditor directly. Again, send the creditor a list of your credit report disputes in writing. Be sure to call your creditor and ask for the specific address of where credit report dispute issues need to be sent to ensure that there is no unnecessary delay in the credit report dispute being investigated. Many companies have a separate address for handling credit report disputes and it can take time for it to be forwarded to the correct address if you do not send it there initially. If you are correct in your credit report dispute and there is an error they will report the error to the credit bureaus and send you notification of the change.

About the Author

Learn more about credit report annual by obtaining a free copy of your credit report from http://credit-free-report-online.info - a popular free credit report website.  

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