Credit Report Dispute Letter
You can also try sending a dispute letter to the Credit Reporting Agency (CRA) on your own. A separate form should have been sent with your credit report, for disputing errors or mistakes.
A unique number is on this form, specifically used for tracking and follow up by the CRA.
Remember to always keep a copy of each letter you send. In compliance with the Fair Credit Reporting Act, the CRA’s have 30 days to look into your complaint and act on it, and must show in your report that an item is being disputed or is under investigation.
*Note: The more detailed and specific information you can give to describe the reason it’s inaccurate, the better. You should also list any/all inaccurate personal information and inquiries.
Credit Reporting Agencies
You may send a dispute letter to each CRA from whom you have ordered, received, and reviewed, a copy of your report if you think there are errors or wrong information. The addresses for dispute letters to the big 3 CRA’s are:
Consumer Discosure Center
P.O. Box 2000
Chester, PA 19022-2000
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374
701 Experian Parkway
Allen, TX 75013
WE CAN HELP YOU WITH A CREDIT REPORT DISPUTE LETTER
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