How to Dispute Credit Report Inaccuracies

Below are simple steps that you can use to dispute errors or outdated entries in your credit report:

(a) Come up with a letter of dispute. Write a business letter that identifies all the inaccurate details that you have stumbled upon in your credit report. Then, specify the activities that you wish the three credit bureaus - Equifax, Experian, and TransUnion - will perform in relation to your claim. It is also important that you enclose in your credit dispute letter, documents and relevant paperworks that can help the credit reporting agencies validate your claim. 

(b) Mail your credit dispute letter to the credit bureau that supplied you with the erroneous credit file. Send your letter to the mailing address of the credit reporting firm that provided you the inaccurate credit file. Then wait for its response to your credit dispute. 

(c) Send follow up credit dispute letters. If the credit bureau failed to respond to your initial letter of dispute within 30 days, then you need to send follow-up letters reminding the credit bureau of its obligation to investigate your claim. You also need to specify in your letter your rights as a borrower as prescribed in the Fair Credit Reporting Act. This way, you can present yourself as a credit consumer who is well-aware of his rights.