To dispute Experian you must compose a dispute letter and mail it to them. Upon receipt of your letter they will investigate the disputed item.
I suggest you first get a copy of your credit report. This can be done by going to annual credit report. They will issue you a free copy of your credit report with each bureau annually.
Often your credit report will be made available online; you need to then decide what items are inaccurate or incorrect. These are going to be the items you dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
Often investigations will result in removal of a negative mark. This is due to many businesses not verifying debts because it costs them money to do so.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
In case an item is verified then a credit repair service can be very helpful because they have advanced dispute techniques. These include; creditor direct intervention, escalated dispute information requests, and debt validation.
If you have multiple bad credit items you wish to dispute then I suggest hiring a service, in addition they will have no problem getting a valid dispute submitted. However if you only have one or two bad credit items to dispute then you can do it yourself.
You are going to need to dispute a bad credit item with each credit bureau. This means you will have to send a separate letter disputing the same item with each bureau.
In sum you can dispute Experian and have them remove negative credit from your credit report. You must either hire a service or dispute the listings yourself.
I suggest you first get a copy of your credit report. This can be done by going to annual credit report. They will issue you a free copy of your credit report with each bureau annually.
Often your credit report will be made available online; you need to then decide what items are inaccurate or incorrect. These are going to be the items you dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
Often investigations will result in removal of a negative mark. This is due to many businesses not verifying debts because it costs them money to do so.
Your other option to dispute bad credit is to hire a credit repair service. If you do hire a service all you will need to do is identify what items you wish to dispute.
In case an item is verified then a credit repair service can be very helpful because they have advanced dispute techniques. These include; creditor direct intervention, escalated dispute information requests, and debt validation.
If you have multiple bad credit items you wish to dispute then I suggest hiring a service, in addition they will have no problem getting a valid dispute submitted. However if you only have one or two bad credit items to dispute then you can do it yourself.
You are going to need to dispute a bad credit item with each credit bureau. This means you will have to send a separate letter disputing the same item with each bureau.
In sum you can dispute Experian and have them remove negative credit from your credit report. You must either hire a service or dispute the listings yourself.
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For a free sample dispute letter to dispute and remove bad credit items on your credit report or to read a review of www.lexingtonlaw.com a suggested credit repair service visit us.
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