Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
TheFate

1 Contribution
0 People Helped
Dispute Letters Actually work?
I was just curious if anyone here has actually went the proper route on sending a dispute letter and if so did it work?

I've heard stories that once an account is sold to a third party often times the original debt holder doesn't send the original paperwork after selling the account. As by law, you need to have the original paper work to show proof of debt or it needs to be removed.

I also read its best to send certified mail as tracking proof.

Has anyone had any luck? Please tell your story

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
4 Contributions
3 People Helped

How to fix errors on a credit report

Here is what consumer advocate Clarksuggests: Disputing an error on your credit report is difficult, but it can be done. Here's what you need to keep in mind:
 

  • File your dispute at the same time with both the credit issuer and the credit bureau.
  • Do not use the automated system to dispute. Always use the manual form.
  • Equifax's manual form is available here. TransUnion's manual form is available here.
  • Send all documents by certified mail, return receipt requested.
  • If the problem is not fixed, re-dispute it with the bureau and the credit issuers.
  • If that fails, you must sue both the credit issuer and the credit bureau in small claims court. Talk to a clerk of court for guidance on the process.
  • Find out where their registered agent is in the state by calling your state's corporation commission. Then serve them with the suit.
  • Know that most of the time, the offenders will usually cave before the court date and remove the black mark from your report.
  • If all else fails, contact the Consumer Financial Protection Bureau for help.
Read his entire post here: http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/challenging-errors-your-credit-report/nCkPL/

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.