Experian Dispute
To 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.
The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.
When you have your credit report you must identify what listings are inaccurate or incorrect. These will be the listings that you dispute.
You can dispute these listings by writing a dispute letter and then mailing it to Experian credit bureau. When they receive your dispute letter they will decide if it is valid or invalid.
If your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
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.
A credit repair service can also be hired to remove negative credit from your report. With this option you only need to identify the marks you wish to dispute and the service will do the rest.
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.
Be aware that you must send a dispute letter to each credit bureau. If you do not you may remove a negative mark from your Experian credit report however this mark will still be on your Equifax and Transunion credit report.
In sum you can dispute Experian and have them remove negative credit from your credit report. You must either hire a service or dispute the listings yourself.
The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.
When you have your credit report you must identify what listings are inaccurate or incorrect. These will be the listings that you dispute.
You can dispute these listings by writing a dispute letter and then mailing it to Experian credit bureau. When they receive your dispute letter they will decide if it is valid or invalid.
If your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
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.
A credit repair service can also be hired to remove negative credit from your report. With this option you only need to identify the marks you wish to dispute and the service will do the rest.
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.
Be aware that you must send a dispute letter to each credit bureau. If you do not you may remove a negative mark from your Experian credit report however this mark will still be on your Equifax and Transunion credit report.
In sum you can dispute Experian and have them remove negative credit from your credit report. You must either hire a service or dispute the listings yourself.
About the Author:
For a free sample dispute letter to dispute and remove bad credit items on your credit report or to read a review of www.lexingtonlaw.com a suggested credit repair service visit us.
posted by Debt Consolidation Loan at
9:37 PM
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