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