Correct Inaccuracies in Your Credit Report
If you believe there is inaccurate information in your credit report, you can request to have it corrected without any additional fees. Let us help you make sure your credit report is complete and accurate. Use one of the three ways to open a dispute. After you submit a dispute, credit bureau will investigate the case. You will receive a result of your dispute either by mail, or if you used MyCreditinfo, you will get an instant notification on the applicationget in touch
How to open a dispute?
What you need to know about disputes?
Inaccurate information can appear on your credit report for various reasons. Usually, it is due to incomplete information reported to the credit bureau by the creditor. That is why you should check your credit report on a regular basis. Below you can check the most important information about dispute management.
Errors you should be looking for when reviewing your credit report:
- Mistakes in your personal information such as spelling or incorrect address.
- Account information, which includes balances and limits, payment history.
- List of the parties that have accessed your credit report (inquiries). It’s also good to check all the items in collections.
- Remember that your credit score cannot be a subject of dispute because it is an output of a scoring model and cannot be changed as such.
What information will you need to open a dispute?
- You will be asked to verify your identity, so have your ID document ready. You might also have to confirm your address by providing a utility bill.
- List of the inaccuracies you have spotted on your credit report.
- Any proof that could support your claim, such as documentation from court, bank statement, letters from a lender.
What does a dispute investigation process look like?
- Your dispute case is submitted for investigation.
- Credit bureau contacts and verifies with a creditor.
- Credit bureau implements changes and update you about outcome.
Possible outcomes of the dispute:
- The error you have spotted will be updated.
- The item from your report will be removed from the credit report.
- A creditor verifies accuracy and finds no error, so the item remains as was.
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