How To Dispute Experian
To file a dispute with Experian credit bureau you must write a dispute letter. When they receive your dispute letter they will investigate the disputed listing.
The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.
Once you have received your credit report you need to identify what marks are incorrect. These are going to be the marks that you will dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.
If your dispute is valid then an investigation will be held into the mark. In an investigation the bureaus will contact the business that made the negative mark on your report and ask them to verify the debt, the dates and the balance.
Frequently an investigation will result in the removal of a bad credit item. This happens because many businesses are not going to spend the time or money verifying a disputed debt.
You can also hire a credit repair service to dispute negative credit on your report too. If you choose this option you will only need to identify each mark you wish to dispute and they will do the rest.
The advantage of having a service is in case the listing is verified they have advanced dispute techniques they can use. These include; escalated dispute information requests, debt validation, and creditor direct intervention.
If you only have minor damage on your report then I suggest repairing your credit yourself. However if you have multiple negative marks on your report I suggest a service. They can also help getting a valid dispute submitted to the bureaus.
You should also know that a dispute letter must be sent to each credit bureau. Failure to do this and the other two major credit bureaus will still show the negative listing even if Experian removed it from your report.
In sum you can remove bad credit items from your credit report. To do this you must dispute the item with each credit bureau.
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