How to Erase Dispute Items on a Credit Report

Accurate credit reports are incredibly important because credit reports are used in so many financial matters. If youre thinking of buying a house, applying for certain jobs or making a big financial decision, check your report for errors. Dispute errors so that your report doesnt hurt your credit history. Under the Fair Credit Reporting Act, you have a right to an accurate report.

Instructions

1

Identify errors on copies of your credit reports. Credit reports are created by the credit bureaus and updated periodically. Compare credit reports from each of the major credit bureaus, such as Equifax, so you know exactly what errors are listed on each one. The credit reports may not be identical, and comparing them will save you time in the dispute process. Order free copies by contacting Annual Credit Report.
Annual Credit Report
(877) 322-8228
annualcreditreport.com

2

Write a letter about the problem. The credit bureau will often resolve disputes by mail. The credit bureau address will be listed on the credit report, so write a letter that includes details on each dispute, such as the date it appears on the report, the creditors name and how you want the information corrected.

3

Make copies of your documents and include that with your letter to the credit bureaus. Documents like bills and bank account statements will be the best evidence against errors. Organize them and double check that youve made copies of the relevant documents.

4

Stay organized while waiting for responses. Write down when and how you contacted the credit bureaus. This will help you track the dispute process and help you remember to follow up with them if necessary. The Federal Trade Commission states that you should expect to hear back from credit bureaus within about 30 days.