Forms to Dispute Error On My Credit Report
The credit bureaus, Equifax, Trans Union and Experian, each calculate their own FICO scores for you. FICO scores range from 300-850. A FICO score lower than 600 is considered bad credit, while anything above 713 is in the good credit range. Most Americans take pride in their rating and have taken the steps to repair bad credit. The United States has a median FICO score of 725. Inaccurate, misleading or just one error in credit reports can be very damning, severly limiting your chances of securing loans and certain types of jobs.
Filling out a simple online form at annualcreditreport.com can help you identify items in your credit reports that could be bringing your FICO score down-these items should be disputed. By visiting annualcreditreport.com online, you are signing up for free reports to be sent to you. This will be of aid to you in determining if any inaccuracies with your information. Wondering "Where you can pick up forms to dispute error on my credit report?" Stay tuned.
Forms to Dispute Error On My Credit Report
You're probably wondering if "any forms are given to dispute error on my credit report?" Actually no, you won't have to go through the hassle of filing out and faxing lots hundreds of copies of the same form, but expect to do a lot of writing, and possibly some online research. The consumer reporting agency is legally obligated to investigate your allegation of a report error within thirty days- as long as you make them aware of your claims IN WRITING.
The Federal Trade Commission recommends using the sample letter provided on their site, in addition to providing copies of documentation to bolster your case. You must demand that they take you seriously.
Federal Trade Commission Sample Letter
Send something similar to this sample letter by the Federal Trade Commission to the credit bureau with the information being disputed.
Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Sincerely,
Your name
Enclosures: (List what you are enclosing.)
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