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DIY Credit Repair: Step 2, Sending Dispute Letters To Credit Bureaus

August 28th, 2013 · No Comments · Credit Repair

by Kristy Welsh

(Last Updated On: February 26, 2018)

There are numerous reasons that you can dispute an item on your credit report. Start with "It's not mine."

If you have errors on your credit reports, you have the right to dispute them with the credit bureaus. So once you’ve completed DIY Credit Repair: Step 1, Credit Reports, it’s time to draft and send your letters of dispute. The back-and-forth process can prove a lengthy one, but the potential benefit of deletion is well worth the time and effort. It’s simply a matter of being diligent, patient, and organized in the process.

 

Send Dispute Letters to Every Relevant Agency

For help drafting your letter, refer to our sample letter requesting removal of inaccurate information. Each credit reporting agency is an entity all its own. So if an incorrect listing is on your report from each of the three major credit bureaus, you must address a letter of dispute to each of them separately. Note, do not use the option to dispute items on your credit report via the online form.

Mail Your Disputes Via Certified Mail With Return Receipt

The credit bureaus only have between 30 and 45 days to respond to your dispute. If they fail to do so, they are required by law to remove the listing from your report. Sending your letters via certified mail with return receipt not only lets you know with certainty when they received your letter, but it also provides documentation of said receipt if you need to prove they didn’t respond to you within the legally allotted timeframe.

Keep Copies of Everything

From this point going forward, make sure you keep copies of everything. This includes your dispute letters, certified mail receipts, and letters of response from the credit bureaus.

Up next, Step 3: Repeat Credit Bureau Disputes As Necessary.

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