by Justin Hutto,
published November 12, 2008
syndicated: 0 | total views: 47 |
word count: 366
laesbarhedsindex readability score: Average Readability
website: http://www.chargeoff.net
T
o file a dispute with Experian credit bureau you must write a dispute letter. When they receive your dispute letter they will investigate the disputed listing.
I suggest you first get a copy of your credit report. This can be done by going to annual credit report. They will issue you a free copy of your credit report with each bureau annually.
Often your credit report will be made available online; you need to then decide what items are inaccurate or incorrect. These are going to be the items you dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If it is found to be invalid then they will write you requesting more information about the dispute. If this happens you will need to respond accordingly and provide the requested details.
However if your dispute is found valid they will conduct an investigation. During an investigation they will contact the creator of the listing and ask them to verify the account, the dates, and the amounts.
Often investigations will result in removal of a negative mark. This is due to many businesses not verifying debts because it costs them money to do so.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
The benefit of a service is they can use advanced dispute techniques such as; debt validation, escalated dispute information requests, and creditor direct intervention.
If you only have minor damage on your report then I suggest repairing your credit yourself. However if you have multiple negative marks on your report I suggest a service. They can also help getting a valid dispute submitted to the bureaus.
You should also know that a dispute letter must be sent to each credit bureau. Failure to do this and the other two major credit bureaus will still show the negative listing even if Experian removed it from your report.
In sum you can remove bad credit items from your credit report. To do this you must dispute the item with each credit bureau.
If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score. However you can remove this listing and you can create a positive score for yourself.
Late payments are not created equal; a 90 day and 120 day late pay will cause your score to be dramatically lowered. However with a 30 day or 60 day late pay it will cause very minimal damage to your score.
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