- 1). Dispute inaccuracies online by accessing the website of each credit bureau-- Equifax, Experian and TransUnion--and entering facts on why you are disputing a particular account. On the Experian homepage, click "How to Dispute Your Credit Report." On the Equifax homepage, click "Correct Errors," and on the homepage for Transunion, look under Consumer Assistance and click "Dispute an Item."
- 2). Write a statement of dispute, and ask that this dispute statement be attached to your credit report whenever it is ordered by someone, for example, a potential employer or creditor. The dispute statement explains why a negative item is on your report. For Equifax and Experian, submit a consumer dispute statement of 100 words or less to each bureau in writing. For Transunion, you may call 1-800-916-8800, to receive assistance in writing a dispute statement.
- 3). Write a letter to the creditor of the disputed amount. Tell the creditor that you are disputing the account in question, and ask that they verify the accuracy of the account. Submit all copies of documents that support your position, such as "paid in full" receipts or canceled checks.
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