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How to Dispute an Entry on Your Credit Report
Many people are intimidated by the task of writing a letter. It can be difficult to get started, and this is especially true when your credit score hangs in the balance. Writing a letter to dispute an entry on your credit report is fairly simple. You must remember to include the pertinent information.
When writing a letter, it's important to keep your tone neutral but firm. Let the company know that you expect an answer within a specified period of time; 30 days is usually plenty. While negative entries on a credit report can be stressful and rage inducing, it is important not to let your anger flow onto the page. If a company thinks you are irrational or overly-emotional, they will be less likely to accommodate your request in a timely manner. Be professional and respectful, while letting them know that you need an answer as soon as possible.
It is important to include the necessary information to help the company locate your credit file and the offending entry in your file. Your name, address, social security number and phone number are all important. This will help the company identify you and ensure that they can contact you with an answer. Also include the name of the company your dispute is in regards to, the amount of the debt, date of the entry and any other pertinent information.
It is important to address any issues on your credit report right away, so you can handle them before they blow up into huge problems. You may wish to contact a credit repair specialists. We have provided a list of the top ranked credit repair companies currently working in the United States for you to browse and find the best one to help you achieve your financial goals.