![\"Credit](\"https:\/\/www.consumerslaw.com\/blog\/wp-content\/uploads\/2019\/10\/Credit-Dispute-Letter.jpg\")
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Credit reports must be kept accurate because they affect so many aspects of our lives. Yet errors on credit reports are common.\u00a0 The Federal Trade Commission has conducted studies that show errors may continue to appear on a credit report, even after they’ve been disputed.\u00a0<\/p>\n
The best way to correct credit reporting errors is to send a written credit dispute letter.\u00a0 The credit bureaus, Transunion, Experian and Equifax, refer to this letter as a Request to Reinvestigate.<\/p>\n
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Like the name suggests, a credit dispute is a letter you send to the credit bureaus to request errors be corrected, updated or removed.<\/p>\n
To begin a dispute, it is important for you to obtain a current credit report directly from each bureau \u2013 Transunion, Experian and Equifax.<\/p>\n
The credit report dispute letter should clearly state why the listing is inaccurate and the action you\u00a0want the credit bureau to take.\u00a0 Your letter should include documents that support your claim. Be sure to keep a copy of the dispute letter you send.<\/p>\n
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We recommend that you send your letter by Certified Mail, Return Receipt for proof of the date your letter was received.\u00a0\u00a0The credit bureaus have 30 days to respond to your written dispute.\u00a0 If the bureau responds favorably, your report will be updated and the error will be corrected.<\/p>\n
Sometimes, the credit bureau may ask for more information, or they may reject your claim.\u00a0 If so, you may need to send an second, or possible additional written disputes. Be sure to keep a good paper trail that documents the disputes you’ve sent.\u00a0 These letters will be valuable in evaluating whether your consumer rights were violated under the Fair Credit Reporting Act.<\/p>\n
Credit reports must be kept accurate because they affect so many aspects of our lives. Yet errors on credit reports are common.\u00a0 The Federal Trade Commission has conducted studies that show errors may continue to appear on a credit report, even after they’ve been disputed.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[50],"_links":{"self":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/1404"}],"collection":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/comments?post=1404"}],"version-history":[{"count":5,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/1404\/revisions"}],"predecessor-version":[{"id":2125,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/1404\/revisions\/2125"}],"wp:attachment":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/media?parent=1404"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/categories?post=1404"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/tags?post=1404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"Attorneys](\"https:\/\/www.consumerslaw.com\/blog\/wp-content\/uploads\/2019\/08\/AMM-CLF-JLJ-at-conf-table-8-2017-300x197.jpg\")
The attorneys at Flitter Milz have worked with consumers throughout Pennsylvania and New Jersey, and sued the credit bureaus and credit furnishers who have continued to list inaccurate information on credit reports. Contact us today<\/strong><\/span><\/a> for a no-cost consultation.<\/p>\n","protected":false},"excerpt":{"rendered":"