How to Dispute Credit report to avoid errors and scams

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Need to dispute credit report?

To have a good life, you need to have good credit. Our credit score is often the factor that determines whether or not we get a job, a loan, and other essential opportunities. Many times, debt collectors and credit reporting companies may make errors that prompt us to dispute credit report and save our finances.

This is why it is so important to keep track of your credit report and monitor if there are any errors that may affect your future credit score entered there. Below are 5 steps to teach you how to dispute a credit report and win.


Best ways to dispute credit report

• Download a “dispute credit report” form

You can find one of these online or obtain one from the credit bureau that has entered the error into your credit report. Once you have obtained one, fill it in with all the personal details required.

• Print your Credit report

Print your credit report and place an emphasis on all the areas where there is an error. This will help you dispute credit report much easier and with evidence.

• Provide evidence

To further prove the validity of your case, you will need to provide evidence that backs up your claim and proves it as unquestionably valid. For example, if the clock on old debt is re-started, you should send a letter gotten from your debt collection agency to all three credit bureaus stating that the debt which they are trying to collect has been resolved. Attach such documents to your credit report to back up your claim.

• Write an explanation letter

Carefully explain each area that you are disputing in writing. The letter should include your name, address, city, state, zip code, date, and an explanation for why you are disputing the items that you are disputing.

• Ensure that they receive your letter

One great way to ensure that your letter has been received by the appropriate bureau is by sending it via certified mail with a return receipt. It usually takes about 30 days for the credit bureau to investigate your dispute. You should receive a reply afterward.

Note: it is advisable to send only copies of your document to the bureaus. Keep the original documents for yourself, as you may need them later.

If you have any questions or complaints about your credit report, call us now at (877) 700-5790; we are always happy to help.


About Consumer Rights Law Firm PLLC

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop all the harassment you may be receiving. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent even more harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.


Success Stories

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.

“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”

how to dispute credit report
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.