I am enclosing copies of my statements for May, June and July 2012 that clearly show my payment for June 2012 was not 30 days late. MEANING WE RECEIVE COMMISSIONS FOR PURCHASES MADE THROUGH THOSE LINKS, AT NO COST TO YOU. Make sure you have a copy of your Equifax credit report on hand. If you know what you’re doing, and how to win – this is time well spent. Remember that all 3 credit bureaus will not have the same accounts listed for you. They will almost never include the documentation you provided so do this yourself. There is no best way. Experian. Equifax, TransUnion and Experian, the three major credit bureaus, let you dispute inaccuracies on their respective consumer credit reports online or by mail. It’s worth noting that you should never pay a credit repair service to do this for you, as you can do the exact same thing yourself at no cost. We frequently review products or services that we have been given access to for free. However, all third party information is presented without warranty. You can mail a protest letter to the credit bureau and see if your creditor responds within 30 to 45 days. A frivolous dispute is when a credit bureau believes you are disputing items on your credit report that are accurate, hoping they will be removed. You just dispute it on your credit reports. The Best Way to Make a Dispute. The second way to challenge credit information is through a verification request. Then circle or highlight any error that you see, even if the error seems minor. Here are some sample dispute template letters you can follow, but remember these are just templates. If you see incorrect information on your credit report, it is possible to dispute it and have it permanently removed. You can do this right online at their website. The bureaus are under no obligation to tell each other of the dispute until one has confirmed the mistake as inaccurate. John Doe 123 Main Street Anywhere, US 12345 SSN: xxx-xx-1234 June 19, 2013 Ref #: 000-111-2222. The first is a credit dispute letter. Once you have reviewed each credit report, make a precise record of each account, and the reason for any inaccuracies which you will then later provide during the dispute process. Equifax’s online dispute system is available on its website. While plenty of people have great success with the online dispute process, you’ll have the best change of getting your dispute handled properly by writing your own dispute letter. If you want to dispute an item on your … This may indicate a mixed file or even identity theft. Don’t attempt to cite a legal argument or use big words and it’s best to avoid form letters, although we’ve included one just to give you an idea. Place your credit card dispute. TransUnion Dispute - Tips to disputing your Credit Report with Transunion, How to Build Credit Fast with These 6 Credit Building Strategies, Understanding Upfront Mortgage Insurance (UFMIP), Copy of a phone bill, utility bill, or bank statement with your name and address, Describe a reason for each account of why you believe it’s inaccurate. If a credit bureau has made a mistake on your report — if you don’t recognize the account or a paid account shows as unpaid, for example — gather … Then select “Dispute info on credit report” from the drop-down menu. If they cannot validate the information, they must remove the item in question. By using template letters word or word, you risk the chance of having your dispute thrown out and deemed as frivolous. The other way to find credit report errors is by regularly reviewing your credit reports throughout the year. After all, the goal of the dispute is to remove harmful and inaccurate information from your report. 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