What Can I Dispute On My Credit Reports?

By September 30, 2010Ask a Credit Expert

Credit reports are broken up into sections.  The main sections are: Personal Information, Credit Account Information, Negative Account Information (collection, charge off, foreclosure, repossession, late payments, etc.), Public Records, and Inquiries.  Depending on the type of report that you get, there can be more sections.  Once you get your credit reports and review them then you can decide if there is anything on the reports that may need to be disputed.

Disputing your credit report is a process that was created to get questionable, inaccurate, incomplete, and/or misleading information updated and/or removed from credit reports.  As a consumer you have the right to dispute anything on your credit reports that you feel fits any of the categories above. The most popular information that consumers dispute is: Personal Information, Negative Account Information (collection, charge off, foreclosure, repossession, late payments, etc.), Public Records, and Inquiries.  When you dispute an item on your credit report, the credit bureau must do an investigation.  This means that they are to contact the creditor and ask for proof that the information reporting is accurate.  If the creditor cannot prove that the information reporting is accurate than they need to update or remove the information.  As changes are made on your credit report, changes will also be made to your credit scores.  Give one of our Case Analysts a call for a FREE consultation to discuss what we can do to help you dispute your credit reports!

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