5 Ways to Correct Errors on Your Credit Report
Attempting to correct credit report errors is like the carnival game called whack-a-mole. No matter how hard you try, the error pops up again and again.
So here are some tips to help you handle the dispute:
- Start your dispute directly with the credit bureau, not the creditor.
- Contact the creditor in writing with the disputed information and a letter.
- Maintain all records of your dispute, and when sending mail, send it "return receipt requested."
- Take notes of any telephone conversations you have and make note of the other party's name, date and time of day. If you file online, print out everything and save your records.
- Be patient. Resolving disputes can take months, especially if your report contains multiple errors.
Lastly, if after all this you don't have a resolution, hire a lawyer. Credit errors cost higher rates when you need to borrow.
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