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Knowing how to dispute credit report has become a necessary skill for anyone with a credit. Your credit report contains valuable information about your life. It lets potential lenders, employers and insurance companies know how you pay your bills, whether or not you have filed bankruptcy, and whether you have been sued or have a lien against you. It also provides information about previous and current addresses, employment and more.

Three major companies gather and sell this information called credit bureaus or credit reporting agencies. The three firms are the TransUnion, Experian and Equifax. As you can imagine, this information is vital. It can impact your life and auto insurance rates, determine whether or not you get hired for your dream job or can buy a new home.

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Since this information is so valuable, you probably think that it is kept accurate. However, credit report errors are widespread. According to the Federal Trade Commission data from 2013, 13 percent of consumers have errors in their reports that affect their credit score.

Example of a Consequence of a Credit Report Error

Credit reporting errors can be a nightmare. WSB-TV in Atlanta reports how one consumer was reported as being deceased by one credit agency. This created all kinds of problems for the consumer. He needed to finance hearing aids, but could not do so because of the error in his report.

If you have an error in your report, you are probably wondering how to dispute credit report. Unfortunately, it can be challenging to remove wrong things from your report yourself. Sometimes, consumers fight for years to have mistakes removed. Many people get to the point where they just give up because the credit agencies don’t want to remove the inaccurate information.

WSB-TV reported about a consumer, Julie Miller, who was awarded more than $18 million by a judge after she sued Equifax for multiple errors in her report. She spent nearly two years fighting to fix the problem—all to no avail. She finally consulted a lawyer who helped her sue and get the judgment.

If you have errors on your credit report, don’t give up. There are ways that you can the problems fixed.

Does Disputing Credit Report Work? How Can You Fix Errors?

You might be wondering, “does disputing credit report work?”

Yes, it does. You don’t have to live with the red marks. Disputing the information is useful when you follow the proper steps.

Why You Should Not Dispute Credit Report Online

If you do find an error in your report, you can dispute it. The Fair Credit Reporting Act is a law that was enacted by Congress that requires that the credit reporting agencies, such as TransUnion, Equifax and Experian, conduct a reasonable investigation if a consumer disputes information on their credit report.

The problem is that many consumers never dispute the information. If they do challenge it, they often do it online, which is not the best course of action to getting information removed.

Disputing inaccurate credit report items is easy. Just follow these steps:

• The first step in disputing something on credit report is to obtain a copy of your free credit report from the three reporting agencies. You can order a free report once every 12 months from annualcreditreport.com. You are also entitled to a free credit report within 60 days of being denied credit.
• Next, pore over your report. Check to ensure that all information is correct. Examine current and past addresses, employment history, social security number, creditors and payment information. Highlight any mistakes that you notice.
• Next, it is best to send a separate letter to each credit reporting agency to challenge the information. Hire an FCRA lawyer to help you draft the letter. An attorney knows how to dispute credit report successfully.
• Mail the dispute letters to each agency. It is best to mail them via certified mail so that you have proof that they were sent.
• Follow up with your FCRA lawyer about the outcome of your dispute.

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Know How to Dispute Credit Report Errors

If you have been denied credit because of a mistake on your credit report, don’t worry. A qualified FCRA lawyer can help you repair your credit by disputing incorrect information on your report. Cleaning up your credit report can help you improve your score and receive better offers on insurance, loans and more.

If you do not know if your credit report is free of errors, follow the steps carefully, and you will be able to go through all the steps by yourself in the future. If you have tried and still need help, call a credit report dispute lawyer. It is better to ask for help then having a credit report filled with inaccurate information.

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Your credit report is one of the most important pieces of information about you. Potential employers, insurance companies, and mortgage companies all review your credit report before making their decision.

If your credit report contains incomplete and out-of-date or incorrect information, it can have a negative effect on your ability to:

• get a job,
• qualify for competitive rates on a car loan,
• get a loan approved, and
• negotiating power.

Credit report errors are more common than you might think. According to research by Credit.com, 1 out of 5 consumers have incorrect information on their credit reports.

By law, you are entitled to have erroneous information removed from your credit report. If creditors don’t remove incorrect information from your report when you submit a dispute, then you are entitled to compensation for the damage done by the incorrect information.

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What if you do nothing? Won’t the errors eventually go away? Sure, but it can take up to 10 years for information to fall off your credit report. This is a long time to suffer the consequences of an error in your report.

To clear your credit report of any errors, you must submit a credit report dispute to have the inaccurate information corrected. Consult with an attorney that has experience handling credit report disputes to help you dispute credit report online.

How to Correct Error on Credit Report

You are probably wondering how to correct error on credit report. Although most credit reporting bureaus allow you to submit a dispute online, this is not the best plan of action when it comes to disputing information on your credit report. Here are two reasons why:

• No proof of dispute – If the creditor or the credit reporting agency ignores your request to remove inaccurate information, you’ll need proof that you submitted a dispute if you later want to claim damages due to incorrect credit information. If you file online, there will be proof that you disputed the item or items. The credit reporting agency can say that a dispute was never initiated.
• No proof of date filed – Also, you won’t have proof of the date that you disputed the information. Why is the date important? Experian, Equifax, and similar agencies have 30 days to remove inaccurate information from your credit report. With online disputes, you won’t have any proof of the date that you initiated the dispute. While they might send emails, these are often lost or sent to a junk folder.

The above reasons illustrate why it is essential that you contact an attorney to help you file a dispute to correct credit report errors.

How to Get Something Removed From Your Credit Report

If there is incorrect information on your credit report, agencies such as Equifax, TransUnion, and Experian are required to investigate your claim with your creditors, according to the Fair Credit Reporting Act or FCRA. If they don’t investigate fully or inaccurately report errors are correct, you are entitled to compensation.

However, if you file an online credit dispute directly with the credit bureaus, you could be undermining your rights to challenge your case later if the information is not accurately reported. It is important that you follow the information below to challenge errors.

To correct credit report, you’ll need to send a credit dispute letter to request for the credit reporting agency to verify the information. It is essential to send a dispute letter to each company via certified mail so that you have proof that you mailed it. This will provide the paper trail that you need to ensure that the information is removed.

Since each credit reporting agency is different, you’ll need to send letters to each one separately. Otherwise, you’ll still have incorrect information on the other credit reports. Although you do have the option to send a letter on your own, you can also hire an FCRA attorney to contact the credit bureaus on your behalf.

Didn’t Dispute Credit Report Online But Still No Result? Call an FCRA Attorney

You might have followed every instruction but the credit reporting agencies are not budging. If that’s the case, an FCRA attorney can be the difference you needed.

A credit report attorney has the expertise to ensure that the process of filing a dispute is followed carefully. They can also help you get compensation for errors on your credit report if the problem is not dealt with by the credit agencies according to the law.

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A problem that harms millions of Americans directly is the number of errors in credit reports. One out of every five consumers has an error in their credit file that negatively impacts their credit score. Half of medical bills reported on credit reports contain billing errors. Lenders respond to this negative information by offering you less favorable credit terms, offering you higher interest rates or even denying you credit altogether.

Because credit reporting errors result in negative consequences, you would think that the credit reporting agencies would fix the problem. However, realistically it is almost the opposite. Each of the credit bureaus has more than 200 million credit files to maintain. Every month there are more than 1 billion pieces of data that the credit bureaus must update. So, they value volume and speed over accuracy.

The credit reporting agencies are not responsible for the accuracy of your credit report. You are responsible for identifying and reporting errors. So, what is the best way to dispute credit report? Read on to discover the best way to fix your credit report.

How to Clean Up Credit Report

Are you wondering how to fix credit report? Disputing errors on your credit report is one of the easiest ways to quickly improve your credit score. Some mistakes can have a severe negative impact on your credit score. So, if you are considering buying a home, car or shopping for insurance, then it is wise to fix any mistakes on your credit report before applying.

So, how do you clean up credit report? It is imperative that you go through the proper steps to file a dispute as credit errors will not resolve themselves. Here are the steps:

1. Request a free credit report from the three credit reporting agencies. You can get one free report each year from AnnualCreditReport.com. This is the best place to get all 3 credit scores.
2. Next, pore over the information on your report. Ensure that all of your information is correct. Check the spelling of your name, addresses, birth date, social security number. Look at all of your accounts. Make sure that they are accurate. Highlight any information that is not correct.
3. Write a dispute letter to the credit bureau. Do not attempt to dispute your credit report online directly with the agencies. This can lead to problems. Often, the credit bureaus merely ignore the dispute, and when you file online, there is no proof of your claim. So instead, write separate letters to all 3 credit reporting agencies. It can be beneficial to enlist the assistance of an FCRA lawyer in writing the letters. They are skilled at dealing with these companies and can help you fix credit reporting errors.
4. Include supporting information – When you send the letters to the credit agencies, send any supporting proof of the error. For instance, if your name is spelled wrong, you might send a copy of your birth certificate. If your ex-husband’s debt is listed in your name, send proof that you were never responsible for the account in question.
5. Send the dispute letters certified mail so that you have proof that you sent them.

Learn How To Write A Credit Dispute Letter

You will need to write a dispute letter to each credit reporting agency to challenge any incorrect information. Click here for a credit dispute letter template.  Include the name and address of the account in dispute. Remember always to use courteous language when disputing an item.

Credit reporting agencies are required to review your dispute within 30 days. Once you receive a response, check to be sure that the dispute was resolved according to your satisfaction. If the credit bureau has still not provided the correct information, then you’ll want to contact an FCRA attorney to help you file a claim under the Fair Credit Reporting Act. This law was enacted to promote accurate and fair credit reporting.

An attorney can help you sue the agency under FCRA laws and remove the information from your report as well as get compensation for any damages.

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