Credit Report Dispute Steps

Summary

If a credit report lists an account incorrectly, you can dispute it with credit bureaus. Gather documentation like bills or statements showing discrepancies, and provide identity proof. Draft a letter explaining the error and submit it with evidence using the bureaus dispute form. Be cautious to avoid resetting the statute of limitations. Consider checking other credit bureaus for similar errors and consult a credit counselor or attorney if needed.

Full Conversation

No I didn't want anything that they could hold against me to restart time on my report
Hey Jessica, if you're concerned about restarting the statute of limitations, it’s important to handle disputes carefully. You might consider sending a written dispute with clear evidence to the credit bureau without acknowledging the debt. This way, you’re asserting inaccuracies without resetting timelines. Have you considered seeking advice from a credit counselor or attorney?
No I'm just going over my TransUnion now and noticing everything .. what clear evidence do I need?
Hey Jessica! To dispute inaccuracies on your credit report, you'll need clear evidence. Here are some steps you can take:
- Documentation: Gather any bills, statements, or correspondence related to the account that show discrepancies.
- Identity Proof: Provide documents to verify your identity, like a driver's license or utility bill.
- Written Explanation: Draft a letter explaining the error and include the documentation as evidence.
- Dispute Form: Use TransUnion's online dispute form or mail it to them with your evidence.
Have you considered checking if other credit bureaus are reporting the same error?
Im doing that next
Case Rating: *
It seems like you're on the right track, Jessica. Your next step should be to check if other credit bureaus are reporting the same error and gather all necessary documentation. If the issue persists, it might be worth consulting a credit counselor or legal advisor for further guidance.