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Sammy0515

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how do I dispute something on credit report?

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Write letters to the creditors and credit bureaus.  Provide them with 2 forms of your ID (1 must have your current address on it).  Don't dispute online, you give up many of your rights that way.  Do it by regular US mail and wait 30 days for their responses.  Best of luck!

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mbacan

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Hello, Addison.

Nice to virtually meet you:). Could you provide more details on "Don't dispute online, you give up many of your rights that way." I have found that writing letters to creditors themselves, does not work very well. Especially if the dispute is legit and it's a 3rd party creditor, they will hound you no matter what.

Creditors will only respond if there's something in in for them. So i dispute only with credit bureaus knowing that if the creditor does not respond to the CB then it has to come off the report. Not sure what rights are at stake if you do this online (i've never had a probelwm with it).

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