{"id":8728,"date":"2008-12-12T15:35:36","date_gmt":"2008-12-12T21:35:36","guid":{"rendered":"http:\/\/magic1host.com\/blog\/2008\/12\/12\/dispute-equifax\/"},"modified":"2008-12-12T15:35:36","modified_gmt":"2008-12-12T21:35:36","slug":"dispute-equifax","status":"publish","type":"post","link":"https:\/\/magic1host.com\/blog\/?p=8728","title":{"rendered":"Dispute Equifax"},"content":{"rendered":"
by Justin Hutto<\/div>\n

A dispute can be filed with Equifax by creating a dispute letter and mailing it to them. In your letter you will need to include a reason as to why the listing is inaccurate.<\/p>\n

There are two options to do this; you can do it yourself or hire a credit<\/a> repair service to do it on your behalf. However be aware if you do it yourself that you must send a letter to each credit bureau.<\/p>\n

This means that if you send a letter to Equifax and they remove the mark you will also need to send a letter to Transunion or Experian. There is no communication between the three bureaus regarding disputes.<\/p>\n

Reasons to dispute a listing are; item is out of date, information is wrong, not my account, account paid in full, and more. The Fair Credit Reporting Act says that you have the right to dispute any mark on your credit report.<\/p>\n

In addition this act says the bureaus must remove a listing from your report if it can not be verified. This act is what the dispute process is based upon.<\/p>\n

When your dispute is filled the bureau will conduct an investigation. They will contact the creator of the negative mark and ask them to verify the debt, the amounts and the dates.<\/p>\n

If the mark can not be verified then it is removed from your credit report. Often an investigation results in the removal of bad credit. This is a result of many businesses being unwilling to spend the time and money verifying disputed debts.<\/p>\n

However before the bureau will investigate your dispute they must say it is valid. There is no clear cut definition of what a valid dispute is.<\/p>\n

Often a dispute letter will be answered with a letter from the bureau asking for more information about the dispute. Many credit repair experts claim that this is nothing more than a stall tactic used to avoid the investigation.<\/p>\n

This is because it will only cost the bureaus money to investigate disputes. The bureaus customers are businesses and only because of government law is there a dispute process.<\/p>\n

I suggest a credit repair service if you have multiple listings you wish to dispute. However you can repair your credit yourself if you have minor damage, be patient and persistent.<\/p>\n

In sum you can remove bad credit items without waiting 7 years. To do this you must dispute the credit bureaus.<\/p>\n

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About the Author:<\/div>\n
For a free credit repair letter<\/a> to dispute bad credit items on your credit report or to learn about how you can dispute midland credit management<\/a> a common collection agency visit us.<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

A dispute can be filed with Equifax by creating a dispute letter and mailing it to them. In your letter you will need to include a reason as to why the listing is inaccurate.<\/p>\n","protected":false},"author":1122,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[77],"class_list":["post-8728","post","type-post","status-publish","format-standard","hentry","category-business","tag-business"],"_links":{"self":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/8728","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1122"}],"replies":[{"embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8728"}],"version-history":[{"count":0,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/8728\/revisions"}],"wp:attachment":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}