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OHIO CONSUMER HELP

Telephone: (937) 435-4000
Facsimile:   (937) 435-4004
Email:  AWells@OhioConsumerHelp.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 - with the disputed item 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.

It is helpful to also include information about how this inaccurate information is hurting you. For example, if you have received credit denials or a higher interest rate, include copies of that paperwork as well.

The key to success with the credit bureaus: dispute, dispute, dispute, & document, document, document!

You should send all dispute 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.

We happily assist our clients every step of the way!

Call (937) 435-4000 or email us with your legal inquiry now.
 

~Dedicated to Protecting Ohio Consumers~
Consumer Protection Laws * Fair Debt Collections * Fair Credit Reporting
PROTECT YOUR CREDIT
Ohio consumer lawyer Amy 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 per year. Consumers are entitled to a FREE copy of their credit report annually, and may obtain a copy online at www.annualcreditreport.com. Ms. Wells strongly suggests that you request your report(s) by mail.

Review the information on your report carefully, and if you find an error, or have questions about the contents of your report, contact Attorney Wells for a FREE CONSULTATION regarding steps that 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 also be entitled to monetary damages.
 
Do you have questions about your rights under the Fair Credit Reporting Act or other consumer laws? Contact us today. (937) 435-4000. Or email us now.
DEBT COLLECTION

A growing number of Ohio consumers are victimized by the use of abusive, deceptive, and unfair 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, regardless of whether or not you owe any money.

Consumer lawyer Amy Wells offers consumers complimentary, no obligation consultations to explore their legal rights. If you have been sued by a debt collector or debt buyer, preserve all of your documents and contact us today.

If you have been harassed by debt collectors or believe that you are the victim of unfair collection practices, contact WELLS LAW OFFICE today for a FREE case review. Call (937) 435-4000 or email us now.