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  #1  
Old 02-22-2006, 03:16 PM
OMEGAMAN's Avatar
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Credit report

I found some things on my credit report that are inaccurate and I want to dispute them. I thought when you disputed something you sent a letter to the person/bank whatever that has reported incorrect info. What I have read is you need to dispute through the credit bureau. Which is true and do any of you have any tips on this subject. It's time to sell the condo in Denver and buy a house in Grandjunction. I'm tired of renting!

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Old 02-22-2006, 05:09 PM
carson356
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Exclamation free annual credit report.

Run a credit check through this site, it is free. i guess they allow anyone to receive one free anually. do the report and dispute your findings after you receive the report, you can do it all online.

https://www.annualcreditreport.com/cra/index.jsp
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Old 02-22-2006, 05:15 PM
MedMech
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Quote:
Originally Posted by OMEGAMAN
I found some things on my credit report that are inaccurate and I want to dispute them. I thought when you disputed something you sent a letter to the person/bank whatever that has reported incorrect info. What I have read is you need to dispute through the credit bureau. Which is true and do any of you have any tips on this subject. It's time to sell the condo in Denver and buy a house in Grandjunction. I'm tired of renting!
It is much faster to use the link provided and dispute online to all three credit reproting agencies. If they are truly incorrect the bank can work with the CB and remove the items. I am licensed to loan in CO send me a PM and I will par the loan for you if its fairly simple.
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Old 02-22-2006, 05:35 PM
intelligent
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Quote:
Originally Posted by MedMech
It is much faster to use the link provided and dispute online to all three credit reproting agencies. If they are truly incorrect the bank can work with the CB and remove the items. I am licensed to loan in CO send me a PM and I will par the loan for you if its fairly simple.
He is right.
One you dispute with the credit reporting agencies, they they will send a letter to the institution that screwed you and they have to PROVE themselves by giving the credit reporting agency actual proof within a certain pr of time. If they don't report back than that thing gets taken out of your record. BTW, no one has time of staff to provide the credit reporting agency of "PROOF" so 9/10 the consumer wins.
Am I right MedMech?
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Old 02-22-2006, 05:43 PM
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Kinda depends on what it is you are disputing but as a general rule, write to both the furnisher and the CRA. If you have documentation that something was paid, include a copy with your letter.
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Old 02-22-2006, 05:50 PM
MedMech
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Originally Posted by intelligent
He is right.
One you dispute with the credit reporting agencies, they they will send a letter to the institution that screwed you and they have to PROVE themselves by giving the credit reporting agency actual proof within a certain pr of time. If they don't report back than that thing gets taken out of your record. BTW, no one has time of staff to provide the credit reporting agency of "PROOF" so 9/10 the consumer wins.
Am I right MedMech?
About 50% What you describe is supposed to be correct but it doesn't happen that way. When you dispute the information the credit reporting agency send a request which is usually an email and the company that reported the item will report back as removed, amended or verified as accurate. Sometime you luck out and they will not respond and it will go away, other times they will do what you say and remove it but that is very rare today.

The best thing to do is use a BANK and have them verify and remove the inaccuracies credit agencies trust banks so we have the direct line to the agency.

I rarely see a credit report without some sort of inaccurate negative data. people should check their credit report at least once a year. Even if you are not having any problems getting loans something is still lurking out there. I have seen people with $75K a month incomes with $35 dollar medical collections. Banks ignore medical collections BTW.
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  #7  
Old 02-22-2006, 05:51 PM
MedMech
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If the company does not remove the disputed item the second step is validation of the debt and then you pull all of the guns out or get a lawyer.

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