.How to Dispute Credit Report Errors. You may not know this, but one of the things that affect people’s credit scores is errors in credit history. If there are errors in your credit history, it can affect your credit score negatively.
This is one of the reasons you should continue to work on your credit history to ensure that there are no errors. But whenever you play soccer, the only thing you need to do is to know how to dispute credit report errors.
If errors in your credit report are left on their own, they might not get corrected and it will affect your credit score. The moment you discover any errors on your credit score, you need to take drastic action in order to correct them. And that is what this article is meant to help you with today if you are in need of that. So with that further waste of time, let’s go ahead and jump in.
How to Dispute Credit Report Errors
When disputing a credit report, there are various things that you need to carry out so that your credit report and score can be corrected. I have listed and explained everything that you need to do in order to know how to dispute an error on your credit report. You need to take drastic action or else the errors in your credit report will continue to remain there and keep affecting your credit score.
That being said, let’s go ahead and jump into the various things you can do to correct the errors in your credit report.
- Check all three credit reports for errors.
The first step you want to take in disputing a credit report is to simply check the three major credit bureaus if the error exists across all. You can have access to your credit report because you are entitled to a free weekly claims report from the three credit bureaus. The three credit bureaus are Experian, Equifax, and TransUnion. To request your credit report, visit AnnualCreditReport.com.
After requesting your credit report, check for negative information on all three. If negative information is available on one and not available on the others, you can now dispute it. However, you need to note that it may take some time for some credit reports to reflect because not all lenders report to all 3 credit bureaus.
- Gather the necessary materials.
The next step in how to dispute a credit report is to simply gather the necessary materials to back your claim. Once you have simply identified an error, you want to be able to gather all the necessary materials that will back up the claim of an error to the credit bureaus. Depending on the type of error made below, the type of materials together:
- Credit cards and loan statements and documents.
- Bank statement copies
- Death certificate, birth certificate, or divorce certificate.
- Copies of act complaints of identity theft.
- Proof of your identity.
- The social security number
- Date of birth and others.
Just as I have mentioned above, provide documents in relation to the error that you have found in your credit history.
- Dispute the credit reporting error.
The final stage is how to dispute a credit report error It will simply dispute the credit report error. All three credit bureaus have an online portal where you can simply check the support and errors on all their reports. Therefore, what you had to do was simply head over to the dispute form and fill it out.
How to dispute a credit report for the three major credit bureaus
To dispute the credit report for the three major credit bureaus, you have to head over to the below links and fill out the dispute form.
- To dispute a credit report for Equifax, head over to their online portal at https://www.equifax.com/personal/credit-report-services/credit-dispute/#.
- To dispute your credit report on Experian, head over to the online dispute form at https://www.experian.com/ncaconline/dispute.
- Finally, to dispute your credit report for Transunion, fill out their online dispute form at https://www.transunion.com/credit-disputes/dispute-your-credit.
What happens after you dispute information on your credit report?
After filing a dispute and submitting it, the credit furniter is expected to take a look at the dispute and then cross-check if there is an error. When an error is found, it is forwarded to the credit bureau to make corrections to it. But if the credit bureau refuses to make the necessary correction, they have to upload a statement detailing the dispute and why it will be left uncorrected.
What if my dispute is ignored?
Once you have submitted a dispute to a credit bureau company, they have no right to ignore it because all this food needs to be investigated properly. However, in the case that a dispute is ignored, just as several people’s disputes were ignored, you have the right to sue the credit bureau company. You can sue a credit bureau company because they are violating the FCRA, so they will be liable to pay damages.
How can I get errors removed from my credit report?
The only way you can get an error in identifying your grain-free board removed from it is by disputing the information. You can dispute credit information or any errors in your credit history by going over and filling in the forms for this route for the three major credit bureaus. After feeling the DS, the credit bureau is mandated to respond, or you have the right to file a lawsuit.
Does disputing hurt your credit?
The answer to this question is that disputing items or errors in your credit report does not hurt your credit. This is because you have the right to dispute items arising in your credit report whenever you can identify them. Once a dispute is filed, it is left to the credit bureau company to investigate and make the necessary corrections.