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How do I dispute mistakes on my Credit Report? , How Soon will I hear back from the credit Bureau?

 How do I dispute mistakes on my credit Report?

To take advantage of all your rights, contact the credit bureau and the business that responded the information. 

Send a letter to the credit bureau.

Use our sample letter for disputing errors with credit bureaus to help write your own (see p.12). Your letter should include.

  • your complete name and address
  • each item you're disputing,and why
  • copies(not originals) of documents that support your position
  • a request that the mistake(s) be removed or corrected
You might want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail and pay for a "return receipt" so you have a record the credit bureau got it. Keep copies of everything you sent.

Send a letter to the business that provided the information.
Use our sample letter for disputing errors with businesses (see p.13)Say that you're disputing an item, and include the same information. Again, include copies (not originals) of documents that support your position. Many business specify an address for disputes. If the business report the item to a credit bureau, it must include a notice of your dispute.

How soon will I hear back from the Credit bureau?
Credit bureaus have to investigate the items you question within 30 days, unless they reasonably determine that your dispute is frivolous.The credit bureau will forward all the relevant information you gave it about the error to the business that reported the information. After the business is notified , it must investigate, review the relevant information, and report the results back to the credit bureau. 


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