Here are some essential points to keep in mind so that errors in your credit report get resolved successfully:
First, make sure that your credit report is less than 90 days old. Credit bureaus will not entertain any disputed item from a credit report you got one year ago. With this in mind, it is important to check your credit report thoroughly as soon as you get them so you can immediately initiate the dispute process if you find errors there.
Next, review your personal information thoroughly and if there are errors, inaccuracies, or outdated information there, always dispute that first. Since these data are used to verify other items in your credit report, anything that is not right here should be corrected first so that the other identifying information in other parts of your credit report will not match anymore. This will strengthen your case to have those questionable items removed later on.
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Third, always dispute items one at a time. Having multiple disputes might cause the credit bureau to dismiss your complaint as frivolous. Don’t risk it. However, you can dispute any erroneous items in your personal information together.
Finally, if you don’t get a response from the credit bureau in 30 days, follow up with a letter. Should they fail to respond, give them written notice that you will file a complaint with the Federal Trade Commission (FTC). That should get them to take action. But if they continue to ignore you, get an attorney and file the complaint.
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