{"id":8804,"date":"2008-12-14T12:23:36","date_gmt":"2008-12-14T18:23:36","guid":{"rendered":"http:\/\/magic1host.com\/blog\/2008\/12\/14\/equifax-dispute\/"},"modified":"2008-12-14T12:23:36","modified_gmt":"2008-12-14T18:23:36","slug":"equifax-dispute","status":"publish","type":"post","link":"https:\/\/magic1host.com\/blog\/?p=8804","title":{"rendered":"Equifax Dispute"},"content":{"rendered":"
by Justin Hutto<\/div>\n

To dispute a bad credit<\/a> item on your Equifax credit report you must send a dispute letter. In your letter you must include the disputed item and why it is incorrect.<\/p>\n

You can write<\/a> a dispute letter yourself or you can hire a service to write it on your behalf. You should be aware that a dispute letter must be sent 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

Common reasons to dispute a bad credit item include; information is wrong, item is out of date, account paid in full and more. The Fair Credit Reporting Act passed by congress gives you the right to dispute any item on your credit report.<\/p>\n

In addition this act says that any mark that can not be verified must be removed from your report. This 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 this item is not verified by the creator then the bureaus must remove it from your credit report. Often investigations will result in the removal of an item from your report. This is because many businesses are not willing to spend the resources to verify disputed debts.<\/p>\n

Before the bureaus will investigate your dispute they must deem it valid. There is no clear definition of what a valid dispute is.<\/p>\n

Many claim that the bureaus are just avoiding having to hold an investigation so they will deem your dispute invalid and respond with a letter requesting more information about the dispute. It is widely speculated that this is nothing more than a stall tactic used by the bureaus.<\/p>\n

This is because there is no money to be earned from the dispute process. It however will cost the bureaus time and money to investigate.<\/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 before seven years. You can dispute the bureaus and have the negative item removed.<\/p>\n

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

To dispute a bad credit item on your Equifax credit report you must send a dispute letter. In your letter you must include the disputed item and why it is incorrect.<\/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-8804","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\/8804","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=8804"}],"version-history":[{"count":0,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/8804\/revisions"}],"wp:attachment":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}