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4 Things You Should Know About Experian Credit Report Dispute | experian credit report dispute

Experian is the name in the credit reporting biz that is used by many of the largest consumer reporting companies. It calculates your score from your credit file and gives you an overall credit rating. You can dispute the accuracy of a particular item with Experian by sending them written letters. The Fair Credit Reporting Act gives you the right to dispute inaccurate and outdated information directly with Experian. They must investigate the item within sixty days. This means that you won't get sixty days to figure out whether your dispute has been denied.

Using the regular mail makes a lot of common mistakes when it comes to reporting and this can make your credit score go down. Using the regular mail creates a paper trail and so makes it very difficult for the credit agencies to simply ignore your letter. Unfortunately, not all bad credit reports can be Disputes. Only certain personal information, bankruptcies, judgments, collections, inquiries, delinquent loans, and tax liens can be Disputed now. This is a good thing because there is no longer a one time window of time that you must wait before you can make a complaint with Experian.

The best option when it comes to using the mail to send your dispute is to use the Experian web site. When you log on to the Experian web site, you will be directed to a page where you can enter your claim number and then enter the claim number in the small space provided for claim validation. On the webpage you will find a link to send your dispute via regular mail, certified envelope, or return receipt mail.

If you choose the certified envelope method of sending your dispute, you should check and double check the return receipt. In most cases, if the return receipt does not match what is on the outside of the envelope, the claim may be denied due to human error. You are better off sending your dispute via regular mail. The next best option is to log on to the Experian web site, fill out the electronic claim form, submit the form, and wait. Your claim will be reviewed within a few days – often overnight.

If you choose the mailbox method of sending your dispute, the process is a bit more involved. You need to find the correct address to send your dispute letter, call the Experian customer service line, and then write and return a written dispute letter. The best option for sending your dispute letter by regular mail is still the next easiest option – to log on to the Experian web site, fill out the electronic claim form, write and return a written dispute letter.

If you have a bad credit score, chances are, your report contains errors. To dispute the errors, you will need to research the names and addresses of the credit reporting agencies and write them down. Then you will contact the agencies, explaining the names and addresses and the problem. However, an experienced Experian credit report dispute service can help you avoid spending time and money going to court. Experian specializes in assisting consumers with their credit reports.

The Experian company also has toll-free hotlines that can be used when you need advice about how to improve your credit score. You can call the hotline anytime, day or night, seven days a week. Experian will assist you in sorting out any erroneous information that they may have about you. Your dispute should be sent along with a SASE (self-addressed stamped envelope) to the Experian credit bureaus mentioned above. If you have a bad credit score, you might find it helpful to work with an Experian credit repair specialist to make it as easy as possible for you to repair your credit.

The goal of this article is to show you how to dispute credit report information online without being scammed. While the process can seem a little intimidating and complicated, I assure you that it really isn't. All it takes is your time and a bit of patience. As you go through the process, make sure you pay close attention to everything you read and learn. This knowledge will help you make the right decisions about your finances in the future.


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