Dispute issues on your credit report, it doesn’t cost anything and it could be the reasons you are not getting that job you want.
Most major employers do credit checks on employees, if you have issues they are going to put you on the bottom of their list. Many times a simple explanation will help. many times youcan refute issues and eventually clean them up.Below please find info you need to do it yourself or hire a professional like Lexington Law. Service companies charge as low as $59.95 a month and a one-time $99.95 first-work fee, all charged only after that work has been completed.
Order Your Credit Report
- Equifax 1-800-685-1111 – you can get a free report if you have been denied credit in the last 60 days. Make sure that you order only the credit report. Mail within 48 hours.
- TransUnion 1-800-888-4213 – receive within 6 to 8 business days.
- Experian 1-888-397-3742 – receive within 8 to 10 business days.
Caution: If your phone request gets lost, you’ll have to write to them anyway. If your letter is after 30 days of being denied credit, employment, or insurance, you might have to pay for the report. It would be a good idea to mention in your letter the date that you requested the report by phone. Your written request should contain proof of your identity and current address, such as your driver’s license and a copy of a utility bill.
Addresses for Credit Bureaus
Experian
P.O. Box 2002
Allen, TX 75013
Equifax Credit Information Services, Inc.
P.O. Box 740256
Atlanta, GA 30374
TransUnion, LLC
P.O. Box 2000
Chester, PA 19022
When mailing your request, make sure you send all of the information.
Credit Bureau Contact Phone Numbers
Experian
(888) 397-3742
Equifax
(800) 685-1111
TransUnion, LLC
(800) 888-4213
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Sample credit report dispute letter
Tell the credit bureau in writing what information you believe is inaccurate. Include copies (NOT originals) of documents that support your position.
You may want to enclose a copy of your credit report with the items in question circled. Send your letter by certified mail, return receipt requested, so you can document that the credit bureau received your correspondence. Keep copies of your dispute letter and enclosures.
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Date Complaint Department Dear Sir or Madam: I am writing to dispute the following information in my file. The items I dispute also are encircled 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 deleted (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 |
Letters to Send to the Credit Bureaus
Letters to Send to Original Creditors
Letters to Send to Collection Agencies
Letters for Unique Circumstances
Please note: You will NEVER find the exact letter for your situation. You have to change the language in these sample letters to match your situation – don’t be afraid to do this. 30-day lates, bankruptcies, charge-offs, etc. are all interchangeable terms on these credit repair/debt validation letters. You don’t know how many times I’ve heard the question “Do you have a letter for disputing a bankruptcy?”. The answer is YES, you take out the words “this credit card” and substitute “this bankrupcy” in the credit dispute letter – get the idea? The reasons for disputes are also interchangeable.
Also, please READ the letters before sending them off. If you just copy and paste forms you find on the internet, you will FAIL in your efforts. These sample letters are meant to give you ideas on what to say. Don’t get hung up on crafting the perfect letter – just know what you are saying!