If you are like millions of people out there, you know the importance of having good credit. There are many people that have blemishes on their reports due to errors that have been made. It is terrible to have your life affected by something that is clearly not your fault. If you are looking to have things fixed, you should dispute credit report online.
There are many reasons for unwarranted blemishes to land on your credit report. The main one is having a common name. It is very easy to make a mistake and list information on the wrong record of two people have the same name. You would think that things like address checks and verification of Social Security numbers would stop these types of errors, but unfortunately sometimes they slip through the cracks.
If you didn’t know, there are three separate credit reporting agencies in the United States, They are TransUnion, Experian and Equifax. You are allowed to request a free report from each of these companies yearly. Do not make the mistake of believing that they all have the same information because that is simply not true. Make sure that you get all three of them and read them through carefully. If you see anything that does not look like it is legitimate, you have the right to file a dispute against your credit report, and you can do it online.
It is not very hard to go through the dispute process, but it may take a bit of time and patience. You can write a letter to dispute the issues, or you can dispute credit report online. Doing it online is a lot simpler since there is no footwork involved and you will have a record of the entire transaction.
The first thing you should do is write down each of the items you want to dispute. Make sure that this includes any incorrect address, telephone or financial information. The reason that it is so important to verify the telephone and address is the fact that some of your financial errors may stem from this. You can call the customer service number for the credit reporting agency you have a dispute with, but it is much easier to fill out the dispute for and allow them to contact you when there is a resolution to the dispute.
As was stated earlier, it is sometimes a process to dispute items on your credit report, but it is absolutely necessary. There is no reason for you to let financial information that belongs to someone else affect your life in a negative way. Do everything you can to have your report clear of any errors, and that includes filing an online dispute.