 | Auto Loans | |
| Cash Loans | |
| Credit Cards | |
| Bad Credit Financing | |
| Loans Up to $25000 | |
| Mortgages | |
| Prepaid Cards | |
| Retail Credit | |
| Secured Cards | |
| Military Loan | |
| BUSINESS OPPORTUNITIES |
| INVESTING |
| IMPROVING CREDIT SCORE |
| BAD CREDIT LENDERS |
| How To Dispute |
| Common Errors |
 | Disputing is easy. Once you order | |
| your free credit report, you'll see a confirmation number at the top. You'll have a separate number for each of the three bureaus. (Sample Credit Report) |
| You'll can either call each bureau | |
| directly (have your confirmation #) or go to the disputing section online. |
| All of your negative accounts will be | |
| listed. You'll be given various options as to why you claim the debt is inaccurate, such as "belongs to ex- spouse, no knowledge of account, balance is incorrect, etc.). |
| Each bureau sends your dispute to | |
| the collection agency or company. |
| If they don't respond within 30 days | |
| (they often don't), the item is automatically removed. If they do respond and claim it is valid, you can dispute again. |
| If you have proof, mail your | |
| documents to the addresses listed below. (Sample Dispute Letter) |
| Duplicate listings: Collection agencies | |
| sometimes purchase your old bills from each other without informing the bureaus that they no longer deal with your account. A bill in the same amount might appear 3 times. |
| Paid collections may still appear unpaid. | |
| A collection agency failed to notify your original creditor that you paid them. |
| Negative information 7 years old still | |
| appears. (Bankruptcy, liens and judgements may remain up to 10 years. Anything else should be deleted. See the statute of limitations for debt collection. |
| Each bureau may have different | |
| information about you, resulting in different scores. Mortgage lenders will usually average the three scores. |
| Try to report all errors at once. | |
| Investigations take approximately 30 days. TransUnion may take 45. If you find additional errors later, it will delay your results. |
| Your report updates only after all | |
| disputes are resolved. If an item is deleted a week after you file a dispute, it won't appear on your report until the investigation is over. |
| Freecreditreport.com lets you view your | |
| reports & scores daily from all three bureaus. You can check your own score online every day. Points will not be deducted from your scores when checking your own credit files. |
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| Experian PO Box 9556 Allen, TX 75013 800-493-1058 |
| Equifax P.O. Box 740256 Atlanta, GA 30374 866-640-2273 |
| TransUnion 2 Baldwin Place P.O. Box 2000 Chester, PA 19022 800-916-8800 |
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