Consultant's Suggestions When Disputing On Your Own

Get some personal advise from Karlevia about the do's and don't when writing disputes for yourself.

Dispute With Ease

“Any person can attempt to correct their own reports, but to be successful you need the right tools to do so.”

As a credit consultant, I have found that disputing mistakes on your credit report is best done when contacting the bureaus directly. Because this is something they deal with on an everyday basis they can complete the investigation usually in a timelier manner then the creditor/collection agency. If you have dispute errors on your reports multiple times with the credit bureaus and nothing is changing, then my suggestion would be to contact the original creditor to see if the information may be verified. The credit bureaus can provide you with all contact information of any creditor/collection agency that is being reported to their bureau. Please take note that if you are writing your dispute letters, do not sign the letter and always send certified, so that you are able to track that they received it. Credit bureaus will sometimes say they never received a dispute and if you don’t have proof, then they never received it.

Writing Your Letters

When writing your dispute letters, certain information should be included. First you should have your name, address, and social security number, all in heading. It’s always better to write out these dispute letters rather than type it, to give the investigator more of an intimate experience. You want to try to keep it as brief as possible but very specific to what is going on and what should be occurring. Include all account numbers pertaining to the information that you are disputing. Sending your letter by certified mail will guarantee you that they received it and when they did. Always make copies of each letter that you send out as well as corresponding information that they send you.

Important to Know

“Be original, make them understand where your coming from.”

Make sure you keep in mind that they have 30-45 days to complete your investigation. Once you have disputed this information, the bureau should provide you with a free report of where you are now after corrections. When an account is deleted, it should not be re-reported on your credit report without proper verification from creditor/collection agency. If they can verify the debt they must notify you that the information will be reporting again.