subject: Dispute your Credit Report - These Days, It Can (and Should) be Done for Free [print this page] If you need to dispute your credit report, there is a right way to do it that will earn you the best results. If you don't do it quite right, the results you get can still be decent, but isn't it better to learn the right way and maximize the effectiveness of your efforts? Let me lay out some of the important parts of disputing your credit report the do's and don'ts of the process. This will help you see the best success in the long run.
When you dispute your credit report, you really must be truthful. Do not just dispute everything. To dispute your credit report, first you need a copy of your credit report. There are plenty of places online you can get this. You can even get them for free, but be wary when you do. Most sites offer you numerous up-sales' that you will have to endure. Be ware: you do not need these up-sale items. Just get the credit reports you went there for and be on your way to better creditit can be done for free!
When you have all three reports from the three credit bureaus, you need to read them over so you know what you need to dispute on your credit report. This should be relatively simple. You are looking for the following:
1.Wrong social security numbers.Wrong information.
2.Wrong names.
3.Wrong addresses (i.e. addresses you have never lived at).
4. Accounts that you included in a bankruptcy (if you had one) that are still reporting and/or still have a balance on them.
5.Inaccurately reporting accounts.
6.This means anythingno matter how small of a detail is wrong!
7.Accounts that are not yours.
8.Judgments or Tax Liens that are paid off but are not updated to satisfied'.
9.Accounts with balances that you have actually paid off.
Once you have marked all such items, you dispute your credit report by writing your credit dispute letters. The simplest way to dispute your credit report is by using some sort of credit repair software. But again, you should not have to buy this software these days!
Keep in mind, self credit repair should be free! There is software available on the internet for free that can allow you to automatically generate your credit repair letters. This kind of software program will enable you to write your credit repair letters quickly, and it will take much of the frustration out of it. Just remember: be ware of upsales that you don't need! And be ware of downloads too. There is credit repair software that is free to use and doesn't require you to download it to your computer.
Dispute your Credit Report - These Days, It Can (and Should) be Done for Free
