MUST READ: How to correct an error on your credit report
Keep these tips in mind while submitting your disputes:
- Don’t send your disputes in one letter. Instead, send one letter per dispute. This will typically help your disputes get resolved faster.
- Send your disputes through registered mail, and request return receipts. This way, you’ll have proof when you sent each dispute and when the credit bureau received your dispute.
- Stay organized. Start a spreadsheet on your computer to document every error you’ve disputed. Make a copy of every letter and piece of evidence you send. It’s a good idea to keep multiple file folders, one for each credit bureau.
- Be clear in your dispute letters and write simply. You don’t need flowery language for a dispute. Just state your case as simply as possible.
- Line up your evidence. Back up your dispute with as much information as you can. This will make it easier for the credit bureau to investigate your claim.