Dispute Credit Report Issues To Act On

Have you had your one free credit report sent to you this year? Maybe you have alerts on your account. There are many reasons you need to see your credit report at least once a year, and fraudulent activity is just one of them. You need to keep up to date with the latest information on your credit report and make sure that there are not unwanted inquiries being made. Once you have found something on your credit report that should not be on there you are given the option of disputing an item. In order to dispute credit report issues you have to understand how the process works.

When you dispute credit report issues, you are asked to do one of two things, fill out an online dispute form or the form with the credit report. You have to say what item you are disputing, why you are disputing it, and you may even have to send additional information along to support your case. Most items that you can dispute involve incorrect information such as addresses, phone numbers, credit cards that are not yours, and fraudulent items. When they say credit cards that are not yours it means ones that you were an additional user on, but did not actually have the card in your name. Say your mom set up a credit card for herself and asked that you be a user on the card, just in case you needed it for emergencies. That item will go on your credit report, so you can dispute that issue.

To dispute credit report issues where you have had fraudulent charges means you have to have information from the credit card company. The best way to dispute this issue is to have the credit card closed, have an alert placed on the card, and then the credit card company has to notify the credit bureaus. You will also have to turn in the dispute form and ask for the item to be removed, along with the documentation from the credit card company. You usually have to have a copy of the police report sent along with the dispute credit report issue.

Other items you may dispute on your credit report must be helped with a disputing company. Companies like Lexington Law, Veracity, and Bradley Ross are law agencies that send out letters to the bureaus submitting disputes for information on your credit report. They can help you remove items such as phone numbers and addresses that do not belong.