Now, the credit bureaus give you the access to file your dispute online, but we suggest against doing this.
It is suggested that you file your dispute by Certified-Mail-Return-Receipt-Requested through the U.S. Post Office as this will give you a return receipt and physical proof that the credit bureau has received your dispute letter.
You also have the option to submit your dispute directly to the creditor, or you can also contact the creditor directly by phone to make your dispute, however, for the best results, we suggest for you to use the U.S. Post Office to submit your dispute to the credit bureau, as described above.
Once the credit bureau receives your dispute letter, the credit bureau has thirty (30) days to respond.
The Credit Bureau is now responsible to contact the creditor, or the lender, or the provider, of the credit information and request that they provide verification of the debt.
If the creditor cannot provide verification of the debt to the credit bureau, then the credit bureau must remove the negative mark from your credit report.
In this event, the credit bureau is then obligated to provide you with a free copy of your credit report reflecting the removal of the negative remark.
You also have the option to request that the credit bureau provide a new and updated copy of your credit report to any authorized creditor who inquired about your credit in the past six (6) months.
In addition, you may request that the credit bureau provide a copy of your new and updated credit report to any employer who inquired about your credit report in the past two (2) years.
Finally, if the dispute is not resolved in your favor, you have the option to add a one-hundred (100) word consumer statement to your credit report explaining ‘your side of the story’.
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