What happens if the investigation finds there's a mistake? What can I do if the investigation doesn't find there's a mistake?

If the investigation finds there was a mistake, the business has to notify all three credit bureaus so they can correct it in your files. The credit bureaus have to give you the results in writing and a free copy of your report if the dispute results in a change.

If information on your report is changed or deleted, the credit bureau can't put the disputed information back in your file (unless the business that provided the information certifies that it's accurate and complete.) The credit bureau also has to:

send you a notice that includes the name,address,and phone number of the business that provided the information.
Send notices of the correction(s) to anyone who got your report in the past six months, if ask
send a corrected copy of your report to anyone who got a copy during the past two years for employment purpose, if you ask

What can I do if the investigation doesn't find there's a mistake?

If the investigation doesn't resolve your dispute with the credit bureau, you can ask that a statement of the dispute be included in your file and in future reports.You also can ask the credit bureau to give your statement to anyone who got a copy of your report in the recent past.You'll probably have to pay for the credit bureau to do it.

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Sample Letter for Disputing Errors on Your Credit Report with Credit Bureaus

What if I pay a Credit Repair Company, and it doesn't live up to its Promise?

What if I pay a Credit Repair Company, and it doesn't live up to its Promise? sue the company in federal court for your actual losses or what you paid the company, whichever is more. seek punitive damages-money to punish the company for violating the law join other people in a class action lawsuit against the company. How do I know If I'm dealing with a Credit Repair scam? insists you pay it before it helps you. tells you not to contact the credit bureaus directly tells you to dispute information in your credit report you know is accurate tells you to lie on your applications for credit loan doesn't explain your legal rights when it tells you what it can do for you. These are all bad ideas, and they'll hurt your credit.

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 docu...

Fixing Your Credit for 2021

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