Dispute Incomplete or Inaccurate Info on Credit Report
You have the right under the Fair Credit Reporting Act (FCRA) to dispute incomplete or
inaccurate information. The consumer-reporting agency must then investigate your dispute,
unless your dispute is frivolous.
The consumer-reporting agency must correct or delete inaccurate, incomplete or unverifiable
information from your credit report. The consumer-reporting agency usually removes such
information within 30 to 45 days.
Consumer reporting agencies may not continue to report outdated information that is more
than 7 years old or 10 years old for bankruptcies.
inaccurate information. The consumer-reporting agency must then investigate your dispute,
unless your dispute is frivolous.
The consumer-reporting agency must correct or delete inaccurate, incomplete or unverifiable
information from your credit report. The consumer-reporting agency usually removes such
information within 30 to 45 days.
Consumer reporting agencies may not continue to report outdated information that is more
than 7 years old or 10 years old for bankruptcies.
Disputing inaccurate or incomplete
information or information that
cannot be verified and presented to
you in writing is a process that must
be addressed by Certified Mail-Return
Receipt Requested.
Any communication over the phone
should be followed up by the creditor
or consumer reporting agency by
sending the consumer a letter
outlining any agreements. If the
entity refuses or does not send such
a letter then it is suggested that the
consumer send the letter themselves
requesting that the entity ‘sign and
return the enclosed copy’ outlining
what was discussed over the phone.
information or information that
cannot be verified and presented to
you in writing is a process that must
be addressed by Certified Mail-Return
Receipt Requested.
Any communication over the phone
should be followed up by the creditor
or consumer reporting agency by
sending the consumer a letter
outlining any agreements. If the
entity refuses or does not send such
a letter then it is suggested that the
consumer send the letter themselves
requesting that the entity ‘sign and
return the enclosed copy’ outlining
what was discussed over the phone.
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Again, if you are sending the letter it should be sent Certified Mail-Return Receipt Requested.
In today’s market and with the internet, there is plenty of room for mistakes to be made.
These mistakes can cause great harm to you credit score and credit reputation. It is
important to dispute any negative marks on your credit report that you believe do not
belong to you and request that these negative and derogatory marks be verified in writing
to you so that you can review them for yourself.
It is important to note that accurate information cannot be deleted from your credit
report. Any company that claims to be able to do so is not being honest and should be
avoided.
In today’s market and with the internet, there is plenty of room for mistakes to be made.
These mistakes can cause great harm to you credit score and credit reputation. It is
important to dispute any negative marks on your credit report that you believe do not
belong to you and request that these negative and derogatory marks be verified in writing
to you so that you can review them for yourself.
It is important to note that accurate information cannot be deleted from your credit
report. Any company that claims to be able to do so is not being honest and should be
avoided.