You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims:. Do yourself a favor and save some money, too. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.
No one can legally remove accurate and timely negative information from a credit report. You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost. Tell the credit reporting company, in writing, what information you think is inaccurate. Use our sample letter to help write your own.
Include copies NOT originals of any documents that support your position. In addition to including your complete name and address, your letter should identify each item in your report that you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected.
You may want to enclose a copy of your report, and circle the items in question. Keep copies of your dispute letter and enclosures. Credit reporting companies must investigate the items you question within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information.
After the information provider gets notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company.
If the investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide credit reporting companies so they can correct it in your file.
When the investigation is complete, the credit reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
If you ask, the credit reporting company must send notices of any correction to anyone who got your report in the past six months. You also can ask that a corrected copy of your report be sent to anyone who got a copy during the past two years for employment purposes. You also can ask the credit reporting company to give your statement to anyone who got a copy of your report in the recent past.
Tell the creditor or other information provider, in writing, that you dispute an item. Include copies NOT originals of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute.
And if the information is found to be inaccurate, the provider may not report it again. When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Please indicate your name. Any additional comments or requests? Cancel Call me back. Thank you for your request! We will contact you within 15 minutes.
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