The Confidential Credit Card Report The Authorities Are Hiding From You!--Volume I
The Confidential Credit Card Report
The Authorities Are Hiding From You!
How to Dispute Credit Report Errors?
Both the Credit Bureau (also called Consumer Reporting Agency) and the
organization that provided the information to the credit bureau, such as a bank or
credit card company, have responsibilities for correcting inaccurate or incomplete
information in your credit report.
To protect all your rights under the law, contact both the credit bureau and the
Contact the Credit Bureau
Tell the credit bureau in writing what information you believe is inaccurate in your
Include copies (NOT originals) of documents that support your position. In addition
to providing your complete name and address, your letter should clearly identify each
item in your credit report you dispute, state the facts and explain why you dispute the
information, and request deletion or correction.
You may want to enclose a copy of your credit report with the items in question
circled. Send your letter by certified mail, return receipt requested, so you can
document what the credit bureau received. Keep copies of your dispute letter and
Credit bureaus must reinvestigate the items in question-usually within 30 days-unless
they consider your dispute frivolous. They also must forward all relevant data you
provide about the dispute to the information provider.
After the information provider receives notice of a dispute from the credit bureau, it
must investigate, review all relevant information provided by the credit bureau, and
report the results to the credit bureau.
If the information provider finds the disputed information to be inaccurate, it must
notify all nationwide credit bureaus so they can correct this information in your file.
Disputed information that cannot be verified must be deleted from your credit report.
If your report contains erroneous information, the credit bureau must correct it. If an
item is incomplete, the credit bureau must complete it. For example, if your credit
report showed that you were late making payments, but failed to show that you were
no longer delinquent, the credit bureau must show that you are current. If your credit
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