Tips on How you can Dispute the Errors in your Credit Report

Before we discuss the tips on disputing credit report errors, we must know first why we encounter errors in our free credit reports. The most common reason is that record keeping is never perfect. We must accept that due to human error or equipment breakdown, the three credit report firms may fail to update our credit information. Some banks or credit institutions may also forget to report the payments we make on our loans. And because of this, the credit bureaus were not able to include these records in our credit report.

But whatever the reasons may be, you need to contest any error that you see in your free credit report. This is important since your credit prospects all rely on your credit rating. If your credit scores are high then, you can expect to receive great loans and credit lines from different lenders.

Disputing the errors in your report also prevents you from taking unneeded bad credit repair services. Most people who receive low scores due to inaccuracies do not challenge the report they receive. Instead they seek bad credit repair advice so that they can improve their credit rating. But in doing so, they waste their time and money on something that is entirely unnecessary. On the other hand, by contesting the errors in your report, you can have them removed from your records for free.

Now allow us to provide you helpful tips that you will need in disputing the inaccuracies in your credit report.

Tips in Disputing Credit Report Errors

1. Communicate clearly. Once you have seen errors in your credit report, you must immediately write a letter of dispute. In it you should enumerate the inaccuracies that you have seen in your credit report.
Write in a simple yet courteous manner. Follow the conventional business writing techniques you have learned from school. Remember that through clear and effective letter writing, you will be able to express your problems regarding your credit report. At the same time, the credit bureaus will be informed what they should do to quickly resolve the issues in your records.

2. Show patience and perseverance. Once you feel agitated, you cannot seem to relax and wait patiently. But in disputing the errors, you have to patiently wait for the three credit report firms to perform their investigation. After all they are given 30 days to examine your records. Wait until you receive your written notice of the results of the investigation. Soon, you can expect to hold an updated copy of your free credit report.
You also need to display perseverance. Challenging inconsistencies in your records may require you to write more letters. Just persevere in making these letters and soon, all the errors in your credit information will be removed.
These are but two of the many tips you can employ in disputing credit report errors. Use them well so that you can quickly remove the inaccuracies and misleading information in your credit records.


About the Author:

Suzy Vanstrusen is a credit analyst and a writer on the website She has been providing consumers with tips and wise information about credit repair as well as helping you out more with your bad credit loans.  Copyright © 2010

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