How to Dispute Inaccuracies On Your Credit Report

Your credit score is very important. Not having accurate information can be very bad for you. You should check your credit report regularly. If anything is incorrect, you should dispute it.

Difficulty: Moderately Easy

Instructions

1. The first thing you will need to do is write the credit bureau a letter. On this letter you need to include:
   
   -Company name's
   -Account number's
   -Amount owed
   -Reason for dispute(Which can be a vague reason, they still have to look into it.
   -You personal information(Only put the last four of your SS#)
   -Any additional information
   -Specify that they have 30 days to notify you of the results.
   
   Write a letter to each of the agencies with this information.

2. Send each letter to the credit bureaus. Be sure to use certified mail.

3. Wait 30 days. They will usually respond with something by now. If they have not write them another letter. Include the same above information, but include that you have already sent them a letter. Add the certified mail number so you have proof. Tell them you expect an immediate response.
   
   I have never had to wait. They have always responded. Using this method I have help everyone in my family increase there credit score by at least 40 points.

[ssweeks6]

on 10/21/2009 Thank you for the ideas for my credit. 5*

[justinhi]

on 10/21/2009 Great article.5*