Expert Debt Management
Expert Debt Management
Analyzing and Disputing Your Credit Report

     Every consumer should know that they can dispute any item or items on their credit report at any time.  If you think the information is completely wrong, inaccurate, or out of date you are allowed to dispute it with the credit bureau.  It is then the job of the credit bureau to contact the creditor to have them verify the information.  According to the law, the credit bureau has 30 days to respond to the dispute and if they cannot verify this information within this period of time it has to be removed from your credit report altogether.  If the credit bureau checks with the creditor to verify and it is not something that can be verified, it must be removed. Find out who the top credit repair companies are.

     If the information that you are having issues with is old, you have a very good chance of having it removed from your credit report.  The reason is that many creditors will only keep information on file for two to three years.  Because of this the creditor just may not respond to the credit bureau, in which case the charge needs to be removed from your report altogether.

     One thing that is very important is that you never dispute more than three different items at a time.  Start with three and then move onto the next three.  It may take time and patience to get through the dispute process.  Don't expect to get your disputes resolved over night.  You will need to take your time and go about the dispute process in the right manner and also be sure that you stay very well organized so you have things on hand to dispute any information that comes your way.

     If the creditor comes back with information that they can verify the charge, be sure to ask for proof.  Do not just take your word for it; ask for a copy of your signature on something.  When you do this you may find that the creditor simply states that they cannot verify the charge and they will remove it from your credit report.  Having the patience and the knowledge not to simply take someone's word for it will help you get items removed from your credit report if it should not be there.

     Also, if you are not struggling with your credit as much as with the debts you owe, you could consider professional debt relief to assist you.

Disclaimer: This site is not , nor should it be taken to be, legal, financial or other professional advice. It merely provides a generalized guidance and generalized information only. Consult a financial advisor or an attorney to discuss any legal or financial issues involved with credit and debt decisions.
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