Credit Report Dispute Questions
- A repossession is reported on my credit, because the contract is not valid and was not signed. my question is can they report this on my credit if I have not been to court on this matter? The case is on the court calender and have I have not been contacted yet. I am not in agreement with the repossession on my credit file.
- I want info on how or what to do to dispute something on my credit report or what forms I need.
- There is a collection account on my credit report. I discovered this when I recently applied for a loan. I got the loan, but at a higher rate than I wanted to pay. I do not owe this bill! How do I get this matter taken care of-- I have worked hard to establish good credit.
- How does another family member’s credit get mixed up with my credit?
- How do you correct your credit report if another family member’s credit is on your report?
- What do I do if I find errors in my credit report?
- What do I do if I find errors in my credit report?
- What’s the best way to dispute an inaccurate item in my credit report?
- Will I hear back regarding a dispute I have filed?
- What if the credit bureau investigation re-affirms the disputed item?
- What if the disputed item cannot be reverified by the credit bureau?
- Can I dispute online?
Q. A repossession is reported on my credit, because the contract is not valid and was not signed. my question is can they report this on my credit if I have not been to court on this matter? The case is on the court calender and have I have not been contacted yet. I am not in agreement with the repossession on my credit file.
A. Your question is legal in nature and is beyond our capability to answer.
However, if there is something on your credit report that is not accurate, you have the right to dispute it. No special forms are required to dispute your credit report. Information on disputing items in your credit report are explained on our web site at:
http://www.creditreporting.com/dispute.htmlThere's also a link to a sample dispute letter at the bottom of the web page.
Q. I want info on how or what to do to dispute something on my credit report or what forms I need.
A. No special forms are required to dispute your credit report. Information on disputing items in your credit report are explained on our web site at:
http://www.creditreporting.com/dispute.html
There's also a link to a sample dispute letter at the bottom of the web page.
Q. There is a collection account on my credit report. I discovered this when I recently applied for a loan. I got the loan, but at a higher rate than I wanted to pay. I do not owe this bill! How do I get this matter taken care of-- I have worked hard to establish good credit.
A.. You should dispute this item on your credit report if it is not accurate. No special forms are required to dispute your credit report. Information on disputing items in your credit report are explained on our web site at:
http://www.creditreporting.com/dispute.html
There's also a link to a sample dispute letter at the bottom of the web page.
How does another family member’s credit get mixed up with my credit?
Information gets mixed-up because with so much information in its system, it may be difficult sometimes for credit bureaus to positively determine if the credit is yours or another family member’s. Suppose your birth days are the same? Suppose your first initial and last name are the same? Suppose your social security numbers are just a few numbers different? Suppose another family member intentionally uses your personal information? Suppose you have a junior senior situation?
The three national credit bureaus keep track of your credit generally by a combination of your name, social security number, birthday and address. However, if the required information is not complete or is erroneous, the result may be a mixed file that only you can figure out.
How do you correct your credit report if another family member’s credit is on your report?
If your credit file is mixed with the credit of another family member, you should dispute the inaccurate information in your credit file. File your dispute with each credit bureau that is reporting the inaccurate credit.
What do I do if I find errors in my credit report?
If you find an error in your credit report, you have the right to dispute such information. We have a sample dispute letter with instructions on this web site at:
http://www.creditreporting.com/disputeforms033104.pdf
What do I do if I find errors in my credit report?
If you find an error in your credit report, you have the right to dispute such information. We have a sample dispute letter with instructions on this web site at:
http://www.creditreporting.com/disputeforms033104.pdf
What’s the best way to dispute an inaccurate item in my credit report?
I think it is best to dispute the inaccurate item in writing.
- Ask the credit bureau that is reporting the inaccurate data, in writing, to re-investigate the item. Include details about the item, and why it is inaccurate.
- Ask the creditor in question, in writing, to re-investigate the item. Include details about the item, and why it is inaccurate.
- If you have supporting documentation for your dispute, you might as well include it with your written requests.
- Sign your dispute and include your legal name, address and social security number in the dispute correspondence. If it is a new address, include address proof such as your utility bill or a credit card bill showing your current address.
- Keep a copy of what you send.
- Keep a dated log of your efforts to dispute, including phone calls.
Will I hear back regarding a dispute I have filed?
The credit bureaus and creditor have a reasonable amount of time to re-investigate your dispute and will report back to you the outcome of their reinvestigation, usually within 30 days.
What if the credit bureau investigation re-affirms the disputed item?
You have choices, including:
File a consumer statement with the credit bureau briefly stating your dispute. This ‘Consumer Statement’ becomes part of your credit report, or
Contact an attorney if you want to pursue legal remedies.
What if the disputed item cannot be reverified by the credit bureau?
If the credit bureau cannot re-verify the item in a reasonable time, it must remove the disputed item from your credit report.
Possibly, if the credit report was issued directly by the credit bureau. Contact the credit bureaus directly about their policies
We are not lawyers or attorneys so don't rely on us for legal advice. We try to answer your questions as a public service, but we do so based on our experience which is limited to credit reporting issues. If you want professional legal advice, you should engage a lawyer to help you with your credit report related questions.
