Description

The Fair Credit Reporting Act’s (FCRA) Section 611 allows for consumers to challenge questionable items on their credit reports. So you have a right to dispute information that you believe to be incorrect.

This includes questionable late payments charge-offs, collections, tax liens, bankruptcies, judgments, foreclosures, or any personal identification information.

What this means is, virtually any “questionable” negative or inaccurate information the credit bureaus (also known as credit reporting agencies) have for you can be disputed and their deletion may result in a credit score increase.

These are the Top 10 Used Dispute Letters:

1. Round 1 Dispute Credit Report Items
2. Bureau No Response
3. Bureau Re-Investigation
4. Bureau Re-Investigation
5. Furnisher Basic Dispute
6. Furnisher No Response
7. Furnisher Re-investigation
8. Furnisher Warning
9. Validation
10. Estoppel By Silence

Examples of dispute reasons you can use:

The Account does not belong to me.

The account payment history is incorrect.

The account is too old to be on the credit report.

The account was paid prior to collection.

Incorrect amount.

Incorrect last payment date.

Incorrect Status.

The account belongs to someone else with a similar name.

Creditor agreed to delete account from credit report.

Contact us today for a Free Credit Report Audit. Find out exactly what negative accounts are on your credit report and what needs to be done to improve your score.