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Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures. Advertiser Disclosure. By Jim Akin. The documentation that the creditor must provide to verify the debt is not typically substantial. When that happens, you can escalate the dispute by sending additional information to make your case. According to TransUnion, examples of supporting documentation for a dispute include letters from the creditor, canceled checks showing payment or accurate bills or statements that document your case.
One option many people consider is working with a professional credit repair firm. These firms do all the same things you can do on your own to dispute information. However, they tend to do them faster and with greater aggression and expertise, which can provide you with peace of mind and help make a positive outcome more likely.
This article originally appeared on Credit. Home Personal Finance Credit. ET By Lacey Langford. How do you dispute an inquiry or other negative item on your credit report? What happens after you open a dispute? TransUnion dispute. More from Credit. Errors on consumer credit reports can be a common occurrence. That makes knowing how to dispute a mistake on your credit report important.
Review your credit reports periodically for inaccurate or incomplete information. You can get one free credit report from each of the three major credit bureaus — Equifax, Experian, and TransUnion — once a year at annualcreditreport. You can also subscribe, usually at a cost, to a credit monitoring service and review your report monthly. Is it really necessary to keep close tabs on your credit report? Can one error really have an impact on you?
You could be impacted negatively by an error on your credit report in many ways. For instance, if a utility company reviews your credit history and finds a less-than-favorable credit report, they may offer less favorable terms to you as a customer. Your credit report also may affect whether you can get a loan and the terms of that loan, including your interest rate. Your next step is to contact the furnisher, or the company that provided the erroneous information, which could be an entity like your bank or a utility company.
Verify their records and confirm the error. You may be able to resolve the issue at this point. Under the Fair Credit Reporting Act, both the credit reporting bureau and the company that reports the information about you to the credit bureau are required to accept disputes from consumers — and correct any inaccurate or incomplete information about you in that report.
Send your credit report dispute letter to the credit reporting bureau, as well as to the company that reported the inaccurate information about you. Credit reporting bureaus must investigate the disputed items. The process usually takes fewer than 30 days. Credit Scoring Models. Improving Credit. Building Credit. Credit Cards. Personal Loans. More from. By Lindsay VanSomeren Contributor. Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances.
We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict editorial integrity standards.
To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. Jerry Brown Contributor. Jordan Tarver Editor.
The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources.
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