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How the Credit Dispute Process Works
Many consumers believe that they can file a dispute for any negative entry on their credit report, and it will be magically removed. However, this is not the case. The Fair Credit Reporting Act (FCRA) sets forth provisions for having incorrect or erroneous information removed. To do this, an individual needs only to file a dispute and the credit reporting agency will take care of the rest.
After you have identified errors on your credit report, fill out a dispute form online or mail a letter with the details of your dispute to the credit reporting agency. The three major credit reporting agencies are Experian, Equifax and TransUnion. Each of these agencies report different information, so it's important to obtain your credit report from each of them.
After your dispute is filed, the credit bureau reviews the details of the dispute. They then contact the creditor of the entry in question and get their side of the story. If the creditor does not respond, the item is automatically removed from your credit report. If the creditor does respond, the agency takes appropriate action based upon the information they received from you and the creditor. They may leave the entry intact or remove it altogether. They can also update the entry to reflect more accurate information. If you feel your dispute was settled in error, you can appeal the decision in writing.
If you have found inaccurate information on your credit report, a team of credit repair specialists can help you. We have provided a list of the top ranked credit repair companies in the United States for you to browse and find the one to best help you achieve your financial goals.