whats the best way to write a credit deispute letter?

Question

I have 12 items to dispute:

Should I Write each dispute in a seperate letter and mail it?

or just disput everything at once in one single letter/ however won't this look like frivoulous disput attemps?

Anyone who has disputed bad credit/ even if was a legit report and had it removed, how did you do it?

By the way I realize I spelled dispute wrong in my subject title.

Answer 1

With 7 years in the credit business, I recommend disputing them all at the same time, as you will likely need to go through several rounds of letters to get what you want done. If something is blatently wrong with your credit report, call the bureau after they write back and refuse to remove it. Go up the food chain until a manager agrees to remove or amend the incorrect info on the spot. Don't buy into their speach about re-disputing it - but make sure you have provided the information necessary by mail already to correct the error. It will not help you to insist on something being removed if you have not provided verificaiton on why.

When you mail in the dispute letter, mail in as much information as possible with it. If your verification is a bankruptcy, send in all the pages to your petition and tab the important pages for them to review.

Also mail in a copy of an electric bill and a copy of your ID to avoid any delays. See the FTC web's site for your specific rights:

http://www.ftc.gov/bcp/conline/pubs/credit/fcrasummary.pdf

If your problem is directly with the creditors, write to them ONE time. If they do not remove incorrect information, write to your state's attorney general's office, the FTC, as well as the ACA at www.acainternational.org. This will get you the results you seek if you are in the right.

If this is a collection agency problem, write to the same people. Collection agencies are generally slime, so know your rights before you call them. See your rights here:

http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

If you have legit items that are bad, dispute them also. If they can not be verified, they must be deleted. It is not your responsibility to prove they are inaccurate, it is the credit bureaus who must demonstrate they are.

Good luck.

Answer 2

Everybody will tell you to write letters and do all of these things, but there is a much easier, faster way to dispute items on your credit report.

I disputed all of mine online through the credit bureaus. All you have to do is go to each bureau and dispute them. You can go to AnnualCreditReport.com. There you can get a free credit report from all three bureaus. Go to each bureau and they have a place you can dispute these items. You can do them all at the same time. You don't have to contact the creditors or anything like that. The bureaus will investigate each of these items. It only takes 45 days or less.

I had about 7 items to dispute and 4 have already been deleted. I still have a couple of weeks left for the investigations to be finished.

Just remember, if you do it this way, you have to have a credit report from Experian, Equifax and Transunion, because you need the report numbers off of the credit report. Also, you have to file a dispute with each of the bureaus, because they don't report information to each other except for fraud alerts.

Hope this helps.

Answer 3

When you Dispute first it has to be a good Dispute, Like someone stole your identity, Than You would send all 3 credit companies, Experian, Equafax & Transunion your letter of dispute & copy of your police report. I work for a credit company. I could have helped you better if I knew the dispute.

Answer 4

Itemize your letter so that it clearly states the account number, account name, balance, and disputed information in a neat format. Refrain from long stories. Stick to the exact reason for the inaccuracy.

Here is some additional info. Hope this helps.