Is there a fee for disputing credit if I write directly to Equifax, Transunion, or Experian?
2007-03-09 15:38:29 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
Nope.. there's no fee and you can submit the dispute to each credit report online.
2007-03-09 17:33:28 · answer #1 · answered by WORLD FAMOUS 3 · 0⤊ 0⤋
no, there is no fee. This is the way to correct (dispute) items in your credit on your own. You are entitled to a free credit report from each credit bureau, once every 12 month. Go to www.annualcreditreport.com to get this, since you'll need the INDIVIDUAL credit report numbers. Request the FREE copies of your credit report. Print those reports out (Equifax, Experian, Trans Union) so you can go through each item on each report - a lot of times there are accounts or tradelines in one report that are not in another. Thats why its important to look at all three. Once you have each report, go to the individual bureau sites and begin an online investigation/dispute for each item with which you disagree. Those sites are: www.equifax.com, www.experian.com, and www.transunion.com. Remember to go back and check the status periodically to ensure the dispute is being processed and to find out the ultimate result.
2007-03-09 16:49:42 · answer #2 · answered by abcdgoodall 4 · 1⤊ 1⤋
It is free to dispute credit information when you are writing to equifax, transunion and experian.
On that note, if you have information to dispute on a credit card, not only would I write to the credit agencies, but I would write to the bank you are disputing as well (it is free there too.)
The bank has 60 days to respond to your written dispute. I would gather as much evidence as possible to prove your case (receipts, names and dates of people you spoke with, etc).
Being organized will be the most important thing in proving your case.
2007-03-09 15:49:00 · answer #3 · answered by Valerie L 2 · 0⤊ 1⤋
there should not be.
1st visit www.annualcreditreport.com to request your free credit reports from all three of the bureaus(you are entilted to one from all 3 c.b.'s every year), then start writing letters to dispute anything.
2007-03-09 18:43:06 · answer #4 · answered by smileco2004 3 · 0⤊ 0⤋
No. Because it is such a common problem the government insisted they do the resolution for free. Otherwise those credit agencies would be making a fortune fixing their own mistakes.
2007-03-09 15:46:42 · answer #5 · answered by Rich Z 7 · 1⤊ 1⤋
You can do it for free on their websites, I have done it in the past.
2007-03-09 15:44:44 · answer #6 · answered by six3XI 1 · 0⤊ 1⤋
NO ZERO..........
2007-03-09 15:40:56 · answer #7 · answered by cork 7 · 0⤊ 1⤋