When an error shows up on your credit report, it can wreak havoc with your personal and financial life. In today’s world, credit reports and scores are used for many aspects of our lives, from getting a job, to renting an apartment, to obtaining financing to purchase a vehicle. Errors on a report should be disputed as quickly and thoroughly as possible in order to minimize their damage. Fortunately, consumers are entitled to certain protections under the Fair Credit Reporting Act (FCRA). However, it is important to understand how best to file a dispute.
Tips for Filing a Written Dispute Over Errors on Your Credit Report
In order to maximize your chances of having an error on your credit report corrected, it is important to following the below tips when it comes to submitting your dispute to the credit bureau:
- Do not utilize the credit bureau’s online dispute form. These forms typically only allow you a small amount of space in which to describe your complaint.
- Always submit a dispute in writing by certified mail and keep dated copies of everything you send.
- Send a copy of the dispute to the party that furnished the inaccurate information at the same time as it is submitted to the credit bureau.
- Always include as much information as possible in your letters. Attach supporting evidence if you have it.
- Address only one dispute per letter. Often, consumers uncover multiple errors on their credit report. Each error should be addressed in its own detailed letter.
As a consumer, you are also entitled to consult with an attorney in order to protect your rights under FCRA. If you spot an error on your credit report, we can help. We have helped many clients restore their credit. Check out our client testimonials page to learn more.