Experian Credit Dispute Is Free
Posted in Finance on 07/23/2010 06:12 am by
Joe Keller asked:
Did you know that Experian credit dispute are absolutely free, you actually have the legal right to dispute your credit report as many times as you like, until you feel you credit report is correct. Now the correction need to be negatives on your credit report that you think or know are blemishes or errors that are bringing your score down, and by taking them off will increase your credit score. Because if you challenge or dispute something that actually should be there, it could make things worse. Accurate information on your report cannot be taken off.
The first thing you do is order a fresh copy of your credit report if its been awhile. I recommend viewing your credit report online because it simplifies the process of disputing any errors, because you can go through your report section by section and just click a button if you have anything to say about your report, you can actually dispute your report as you look at it. Once you find something that doesn’t belong and click that magic button to dispute that entry, a notice is immediately sent out to the source of the information you are disputing, this is how they verify if the information is accurate or not. They only have 30 days to do this so you get the results of your actions pretty quickly.
Well thats it, If your going to go digging in something as fragile as you credit report I would definitely do some reading up on what exactly to look for, for example even if you find something accurate but its older than 10 years then it shouldn’t be on your report. It does hurt to get all knowledge and tips that are out there before challenging or disputing your credit report. Knowledge that maybe a specialist might have, without paying for one.
Ann
Did you know that Experian credit dispute are absolutely free, you actually have the legal right to dispute your credit report as many times as you like, until you feel you credit report is correct. Now the correction need to be negatives on your credit report that you think or know are blemishes or errors that are bringing your score down, and by taking them off will increase your credit score. Because if you challenge or dispute something that actually should be there, it could make things worse. Accurate information on your report cannot be taken off.
The first thing you do is order a fresh copy of your credit report if its been awhile. I recommend viewing your credit report online because it simplifies the process of disputing any errors, because you can go through your report section by section and just click a button if you have anything to say about your report, you can actually dispute your report as you look at it. Once you find something that doesn’t belong and click that magic button to dispute that entry, a notice is immediately sent out to the source of the information you are disputing, this is how they verify if the information is accurate or not. They only have 30 days to do this so you get the results of your actions pretty quickly.
Well thats it, If your going to go digging in something as fragile as you credit report I would definitely do some reading up on what exactly to look for, for example even if you find something accurate but its older than 10 years then it shouldn’t be on your report. It does hurt to get all knowledge and tips that are out there before challenging or disputing your credit report. Knowledge that maybe a specialist might have, without paying for one.
Ann