what is the best way to dispute bad stuff on my credit report?

Answer 1

the only way you would dispute it is if it was a mistake
then you can call the company and find out why they're collecting on a debt that doesn't belong to you

Answer 2

Some say go to the bureaus first others to the creditors...which one should you listen to?? The second one of course. If you dont fix the problem from the "root", you creditor it wont matter that you attempted to fix the problem with the bureau because the creditor will continue reporting the error.

Which brings me to a very important point. NEITHER YOU OR ANYONE else can erase anything from your credit report, no matter what anyone tells you, UNLESS it is a mistake. If it is not a mistake it will stay on your report. If it IS a mistake then follow this procedure I wrote on one my articles. Hope you find it useful:

"You have credit card complain? Where should you go? "

If you have a problem with your credit card, try following these steps, if one doesn’t work try the next step down:


Try to resolve the problem directly with the store or credit card company

File a complaint with the local Better Business Bureau (you can also do it online) where the company’s headquarters is located, not where you live.

File a complaint with your state’s attorney general or banking agency.

File a complaint with the federal agency that enforces consumer credit laws for your credit card company as follows:


State Banks: Federal Reserve System

State Banks or regulated by the Federal Reserve System: Federal Deposit Insurance Corporation www.fdic.gov

Banks with “National” or “N.A.” in the name: Controller of the Currency www.occ.treas.gov

Federal Savings and Associations and federal savings banks: Office of Thrift Supervision www.ots.treas.gov

Credit Card Union Associates: National Credit Union Administration www.ncua.gov

Finance Companies or stores, and matters related to auto dealers, mortgage companies and credit bureaus: Federal Trade Commission www.ftc.gov

Answer 3

The best way to dispute errors on your credit report is through each credit reporting agency's online dispute system. However, if you prefer a more tangible paper trail, you can submit the dispute in writing. The following links are to each credit reporting agency's (credit bureau's) dispute web page.

Equifax:
https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=online_dispute&partner_cd=PPSS1

Experien:
http://www.experian.com/disputes/index.html

TransUnion:
http://www.transunion.com/content/page.jsp?id=/personalsolutions/general/data/DisputeCreditReport.xml&from=TransUnionHome

Answer 4

The link below has a site with step-by-step procedures to dispute your credit report.

I've also included some sample letters to use.

Note that if the information is accurate, it may never come off your report. The best you can hope for is the creditor fails to respond to the credit agencies investigation.

Answer 5

The credit reporting companies MUST include your comment with any report they issue. Just make it good.

Answer 6

Go to creditboards.com and learn. They have sample letters to dispute imformation on your file!

But NEVER speak to a collection agency!
Only in writing..NEVER over the phone and never give them accounts numbers, banck account numbers..they are LIARS of the worst kind