HOW TO DISPUTE YOUR

CREDIT REPORT YOURSELF

• If you want to dispute a credit report, bill or credit denial, write to the appropriate company and send your letter “return receipt requested.”

  For a sample dispute letter see fix your credit score yourself

  
  

• When you dispute a billing error, include your name, account number, the dollar amount in question, and the reason you believe the bill is wrong.

  
  

• If in doubt, request written verification of a debt.

  
  

• Keep all your original documents, especially receipts, sales slips, and billing statements. You will need them if you dispute a credit bill or report. Send copies only. It may take more than one letter to correct a problem

  
  

• Be skeptical of businesses that offer instant solutions to credit problems: There aren’t any.

  
  

• Be persistent. Resolving credit problems can take time and patience.

  
  

• There is little that a credit repair company can do for you that you cannot do for yourself. But it takes time, persistence and a great deal of patience.