If you’re needing to fix some of those incorrect items on your credit report, you’ll be happy to know that there are ways to get it done. Now before you get too excited, you should know that any negative information on your report that is accurate can only be legally removed by the collector at their own discretion – anything not removed by them will generally sit for 7 – 10 years.
Otherwise, those bits of information that aren’t correct can be removed if you know what steps to take. So let’s look at a basic credit repair strategy that can help you dispute items that shouldn’t be on your credit report.
What to Do When Information on your Credit Report is Incorrect?:
If you look over your credit report and you notice a couple of items that don’t appear to belong to you, it is important that you dispute the information so that it doesn’t continue to negatively affect your credit report and credit score. In order to get this done, you simply contact the credit bureau correlating with your report (Equifax, TransUnion, or Experian). Typically, you can file a dispute right on their website. But if you can’t, then you should be able to via phone or mail.
Once you’ve submitted the dispute, it will normally take up to 45 days to conclude the investigation. And when everything is completed, you will be sent a response; and the bureau will make adjustments to your report if necessary.
Disputing Other Items:
If you find other items on your report that you’re unsure about, you can most certainly send in a dispute using the same steps to determine whether the information is valid. If it is then you will receive a notice explaining that the collector confirmed its validity. However, you might get lucky and find that the information was actually incorrect. And in a rare scenario, you might get even luckier and have the collector actually not respond to the bureau within 30 days. If they don’t respond to confirm validity, the item must be deleted.
It never hurts to check on the items on your credit report to make sure they’re correct if you’re not sure. So get a copy of your credit report at Go Free Credit and get a 3 in 1 credit check for accuracy.