How to Dispute an Experian Credit Report


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Cleaning Up Your Experian Credit Bureau Report

Step one – It is important to make sure that your Experian Credit Report is error free. Some reports have incorrect data recorded in the statement that might be misleading. You should also look for items that have a negative effect on your credibility like bankruptcy, account receivables that remain uncollectible, foreclosure, payments falling behind between 30 to 120 days, settled accounts, collections, settled collections and any other information about late payments.

Step two – Draft a dispute letter following the discovery of erroneous items on your Experian credit report. There is a sample template for such letters, but you can draft the letter in your own words.

Step three – Expect a response between 30 to 45 days from the credit bureaus.

Tips for Disputing Your Experian Credit Report

Sending your dispute through mail request ensure you have documented proof when you do not get the necessary response from Experian. Letters also serve as notification documents; this makes them less likely to ignore your dispute on the items that have a negative impact on your credit. (The possibility of losing your dispute, which would leave you without any records in cyberspace, should not be overlooked)

There should be a maximum of four items on the dispute letter. Unethical credit repair files usually have lists of all negative items that appear on the Experian credit report. Credit bureaus tend to put less thought in such disputes since they categorize them as unethical credit dispute procedures.

Your dispute letter carries more weight if it has relevant and accurate information. You should focus on the disputed items with the necessary supportive evidence to back your dispute.

The Next Step after Your Experian Dispute

Another letter listing other erroneous entries on your credit report should follow any success following your dispute with Experian, this trend should continue until all the disputed entries are removed from your credit record. Any successful results would mean a boost to your credit record. It is important to follow up with the credit bureau since they usually update the records depending on information received from creditors. Updates of entries that would have a negative or positive impact on your credit record might be posted on your Experian credit record. It is important to make sure that they do not have any doubtful entries on your account.

The seven-year limit law binds credit bureaus to report and maintain accurate credit records. However, successful payment negotiation with your creditors can have them delete information on your credit report.

Hiring an Attorney to Dispute an Experian Item

Any subsequent loss on your dispute exposes you to complicated procedures like creditor direct interventions, Debt Validation, escalated disputes or information request; you stand a better chance when experts from reputable institutions like the Lexington Law Firm handle such proceedings.

Lexington Law Firm has successfully handled Experian disputes related to negative entries like bankruptcy, included in bankruptcy, charge offs, collections, judgments, public record, settled accounts, collections, paid collections, credit inquiries, repossession, garnishment, foreclosure, late payments, liens, and other undesirable items.

Experian contact info:
475 Anton Blvd.
Costa Mesa, CA 92626

http://www.experian.com

Get Immediate Help Disputing your Experian Credit Report