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Disputing Information on your Credit Report
Trying to understand how a past mistake can affect your Credit Report and your future financial journey can be tough. But there is a way that you can dispute information that shows up on your credit report.
First and foremost, you must write a letter to the Credit Reporting Agency. Click Here for a sample letter from Accel Members Financial Counseling services.
During the dispute process, below are a few things of what happens during the dispute process:
- If your files shows an account that belongs only to another person, the Credit Reporting Agency (CRA) must delete it.
- If you request, the CRA must send notices of any correction to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve your dispute, ask the CRA to include your statement of the dispute in your file and in future reports.
- In addition to writing to the CRA, you should tell the creditor or other information provider in writing that you dispute an item. Be sure to include copies (not originals) of documents that support your position. Many providers specify an address for disputes. If the provider continues to report the disputed item to any CRA after receiving your notice, it must include a notice that you dispute the item. If you are correct — that is, if the information is not accurate — the information provider may not report it again.
For the complete article on Disputing Information on your Credit Report, click here. Special thanks to our Education Partners at Accel Financial Counseling services. Accel is a free financial counseling service offered by the Creidt Union to our members. If you are going through a tough financial time, we encourage you to give them a call free of charge to see how they can help at 1-877-332-2235.
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