5 Ways To Dispute Discrepancies On Your Credit Score
Order a Copy Of Your Credit Report From One of The Major Credit Agencies
First of all, order a copy of your credit report directly from each, or any of the three major credit agencies. Donít get your credit report from third-party agencies, because chances are you may be disputing mistakes or flaws that donít even exist. According to the US Fair Credit Reporting Act (FCRA), the big three credit agencies are responsible for putting straight or reducing any flaws and errors in your credit report. The FCRA therefore, enables you to directly get in touch these credit reporting agencies, and formally relay your disputes and complaints.
Make Sure Each Report Is Not Over The Seven Year Limit
When you get a copy of your credit report from the major credit agencies, compare all of the reports, and ensure that these are not past the seven year limit for correcting any errors or negative information. Additionally, check if the status and delinquency dates are not incorrectly noted.
How To Dispute Any Errors You Find
Once you personally find any discrepancies or flaws, you can challenge these by filing the dispute online, in addition to writing a letter to the specified credit agency. Although posting your dispute on the Internet may be much faster, it only offers you limited options to explain your case. However, if you write a letter, ensure you limit it to around one hundred to one hundred fifty characters, or 30 words, to succinctly state your complaint. To register your dispute online, visit the agencyís Web site, and look for the ďDisputeĒ option. Enter your identifying details, and proceed to state the complaint. In sending a dispute in the mail, get the agencyís official mailing address, which is usually situated near the end of your report, including your name and address, report number, as well as the account numbers youíre disputing.
Once you receive a copy of your credit report from a credit bureau, the it is normally given forty-five days to get back to you results of your complaint. If you gave a fee for your report, the bureau in question will usually deliver this to you in around 30 days. If you spot any mistakes or inconsistencies in your credit report, itís essential that you question and question all the inaccuracies, and don't assume that everything is it's written, just because itís been stated by one of the major credit reporting agencies.
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