To dispute Experian credit bureau a dispute letter must be sent. When the bureau receives your letter they will investigate the dispute.
I suggest you first get a copy of your credit report. This can be done by going to annual credit report. They will issue you a free copy of your credit report with each bureau annually.
Once you have received your credit report you need to identify what marks are incorrect. These are going to be the marks that you will dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
Frequently an investigation will result in the removal of a bad credit item. This happens because many businesses are not going to spend the time or money verifying a disputed debt.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
The advantage of having a service is in case the listing is verified they have advanced dispute techniques they can use. These include; escalated dispute information requests, debt validation, and creditor direct intervention.
If you have multiple bad credit items you wish to dispute then I suggest hiring a service, in addition they will have no problem getting a valid dispute submitted. However if you only have one or two bad credit items to dispute then you can do it yourself.
Be aware that you must send a dispute letter to each credit bureau. If you do not you may remove a negative mark from your Experian credit report however this mark will still be on your Equifax and Transunion credit report.
In sum negative items can be removed from your credit report. You do not have to live with the high cost of low credit. - 17635
I suggest you first get a copy of your credit report. This can be done by going to annual credit report. They will issue you a free copy of your credit report with each bureau annually.
Once you have received your credit report you need to identify what marks are incorrect. These are going to be the marks that you will dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
Frequently an investigation will result in the removal of a bad credit item. This happens because many businesses are not going to spend the time or money verifying a disputed debt.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
The advantage of having a service is in case the listing is verified they have advanced dispute techniques they can use. These include; escalated dispute information requests, debt validation, and creditor direct intervention.
If you have multiple bad credit items you wish to dispute then I suggest hiring a service, in addition they will have no problem getting a valid dispute submitted. However if you only have one or two bad credit items to dispute then you can do it yourself.
Be aware that you must send a dispute letter to each credit bureau. If you do not you may remove a negative mark from your Experian credit report however this mark will still be on your Equifax and Transunion credit report.
In sum negative items can be removed from your credit report. You do not have to live with the high cost of low credit. - 17635
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