Trouble with a Credit Dispute
Question
Hi Candice I’m having trouble trying to initiate a credit dispute with Equifax. Everytime I give them the basic info that they want, I’m told the can’t proceed. Any suggestions? Also could you recommend a web site for a professional credit repair compnany. Thank you.
David W.
Answer
Hi David-
The Fair Credit Reporting Act allows the credit bureaus the opportunity not to research a dispute request if they deem the dispute to be FRIVOULOS. Many times the bureaus will respond to a dispute asking for more information in an effort to see if the dispute is legit or frivolous.
The best disputes are in writing, they clearly state the account you are disputing and why you believe it to be inaccurate, unverifiable, incomplete, obsolete or misleading. They also have a copy of the evidence backing up your belief. For instance, if you are disputing a late payment, include a copy of the cancelled check that shows you paid on time.
It is also recommended that you send your disputes by certified mail. Document all of your communications with the credit bureaus.
Creditrepair.com serves to match consumers to the most reputable companies in the credit report repair, debt, mortgage, auto and foreclosure industries. Give us a call @ 800-445-8540 and we can match your personalized situation with the best partner available.
Thanks
Candice
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