Well, to begin with, you should prepare your dispute for the bureaus you have the dispute with.
The Fair Credit Reporting Act doesn't require this, but the Federal Trade Commission has recommended that you submit all of your disputes in writing to have some levity.
You should include copies of your documents that challenge your credit files. Do not enclose the original letters. Copies please.
Don't forget to provide your name and address and remember to identify everything that you want to dispute very clearly.
Include a nice explanation of why you want to dispute the information contained in your file along with pertinent facts along with your request for correction of the information or it's deletion.
Once you've prepared your letter, send the dispute by certified mail with a return receipt requested.
Make certain that you retain copies of your dispute letter or letters and all of the accompanying documentation you've forwarded to the credit reporting agencies or bureaus. You'll have the same information they have for your future reference.
Any thoughts ?
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