If you discover false representations in your credit report, you don’t need to stay silent about it. The laws in several jurisdictions empower consumers to dispute a questionable credit report. The policy of the issuing credit bureau and the laws of the jurisdiction you obtained the credit report would determine the process for disputing a misrepresented report. In United States, you have the option to dispute a credit report either online or traditionally (by post mail). You can also dispute your credit report via phone, the three major credit bureaus allow you to use any of those options.

Tips for Initiating a Credit Report Dispute

If you are not comfortable with certain entries in your credit report, it is crucial to first have an insight on what the laws of your jurisdiction says about credit report dispute. You should also find out how the issuing credit bureau processes credit report disputes. However, certain consumer reporting companies may only endorse dispute report through traditional mailing system.

Do the following as well;

• Request for a current copy of your credit report that features false entries. Then, take your time to examine each entry.
• Check for mistakes in credit limits, payment reporting dates, as well as amounts owed.

Now, if you choose to initiate credit report dispute via mail, don’t forget to spell out the name of the account you wish to dispute its entries, as well as comprehensive reasons for disputing the entries in the named account.

You can Speed up Your Credit Report Dispute Process

In most cases, the law requires the credit bureau to commence its own investigation concerning your credit report dispute. However, the process would speed up if you are able to supply conventional documentation, and the entire case may end up in your favor.

The documentation you would provide may include the following;

• A report from the police indicating you are an identity theft victim
• Cancelled checks to prove your payments were made on the date you are claiming.
• Letters evidencing that on a certain date, an account became default

Follow Up Your Credit Report Dispute

Don’t fold your hands and assume that everything would be fine, ensure that the dispute process was completed, by following up the events. Don’t relent until your credit report issues are completely resolved.

Usually, the credit bureau is required by law to furnish you with a copy of your credit report that shows the updated information after the dispute. But, if the copy is not forth coming, request for one to ensure that the resolved issues have replaced the faulty entries.