If you find out that there is an error on your credit report, you can dispute items on credit report to fix the error. If you do not dispute items on credit report that you believe are erroneous, your credit score may be decreased. This will cause you a lot of problems when you try to apply for credit or a loan. The good news is the fact that these problems can be fixed by starting the dispute items on credit report.
It is a simple and straightforward process to dispute items on credit report. First, you will need to order your credit report from one of the credit report agencies. There are three main credit agencies and if you are trying to dispute items on credit report, you will most likely have to do that with all three agencies. After you received your credit report and identified the items that have errors, you can start to dispute items on credit report.
In order to dispute items on credit report, you will have to file the dispute with the credit reporting agency. You will need to do this either online or in writing. To dispute items on credit report, you will need to provide your report number or file number that will be available on the credit report that you ordered. If there is any proof of your case that you have, send a copy with your dispute. The credit reporting agency will review your dispute and will make a decision whether to remove the disputed item from your credit report or not. The whole process to dispute items on credit report takes about 3 to 4 months. If the credit reporting agency will require any additional documentation, they will contact you.