Attorney at Law
Amy L. Wells
BEHNKE, MARTIN & SCHULTE, LLC
Dayton, Ohio
HOMEAREAS OFCONSUMER LAWATTORNEY & STAFF PROFILENEWSLETTERCONTACT USDIRECTIONS/ ADDRESS
 
Dispute Credit Report Errors (FCRA - Ohio Law)
Credit Report Problems
Unfair Debt Collections
Bad Faith Insurance Denial
Used Vehicle Fraud
Identity Theft (FCRA)
Ohio Lemon Law
Predatory Lending
Forced  Consumer Arbitration
Wrongful Repossession (Repo)
Helpful Links for Consumers
Other Practice Areas
 
OHIO CONSUMER HELP
Telephone: (937) 435-7500
Facsimile:   (937) 435-7511
Email:  AWells@LegalDayton.com

How To Dispute Inaccuracies in Your Credit Report

 When writing a letter to the applicable credit bureaus, your letter should include:

1)     Your full name (including Jr. or Sr., etc.)

2)     Current address, and other addresses you have had in the past two years

3)     Date of birth

4)     Telephone number

5)     Social security number

6)     Your spouse's name, if applicable

7)     Current employment information

8)     A clear description of the item in your credit report that you are disputing, along with a complete copy of the credit report that contains the disputed item - where the disputed item is circled

9)     An explanation of why you are disputing the item on your credit report

10)   If you believe you are or may be the victim of fraud or identity theft, you must indicate this in your letter

11)   A request that the agency delete or correct the information. 

12)   Your signature and printed name, noting that the recipient should compare for a possible forgery.

It is also helpful to include copies of any documentary evidence supporting your dispute, and to note the documents you are including in your letter (such as proof of payment; proof of correct name and address, such as copies of recent utility bills; copy of your identification).

 
You should also send a copy of the letter to the creditor(s) or other furnisher(s) of the disputed information at the same time.

 
You should send the letters by certified mail, return receipt requested. Keep copies of everything that you send and the certification of receipt.

 
For additional assistance or a free consultation to discuss your matter, contact Attorney Amy Wells.


 

~Dedicated to Protecting Ohio Consumers~
Consumer Protection Laws * Fair Debt Collections * Fair Credit Reporting

PROTECT YOUR CREDIT
Attorney Wells advises her clients to protect their good name by reviewing their credit report with each of the three major credit bureaus (Experian, Equifax and Trans Union) at least once a year. Consumers are entitled to a FREE copy of their credit report once per year, and may obtain a copy online at www.annualcreditreport.com.

Review the information on your report carefully, and if you find an error, contact Attorney Wells for a FREE CONSULTATION regarding steps you may take to correct this problem. Poor credit ratings can prevent access to home loans, credit and even employment. If the credit reporting agencies fail to correct errors published on your credit report, you may be entitled to money damages.
DEBT COLLECTION

A growing number of Ohio consumers are victimized by the use of abusive, deceptive, and unfair debt collection practices by debt collectors. Abusive debt collection practices contribute to a high number of personal bankruptcies, marital instability, job loss, and invasion of individual privacy. Federal law prohibits unfair and deceptive practices by debt collectors.