How can I dispute credit report information?

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Under the Fair Credit Reporting Act (FCRA), both credit reporting companies and information providers are obliged to correct if there is any incorrect statement in your credit report. If you doubt any wrong information, immediately dispute your credit report.
 
Send your dispute letter by registered mail (return receipt requested) and speak your minds there. However, don’t forget to keep copies of your dispute letter and enclosures.
 
The credit reporting agency must investigate the dispute within 30 days unless they consider your argument having no ground at all.
 
Below is a sample of a dispute letter what I guess you need right now.
 
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Before you dispute your credit report information, review it thoroughly and ensure that the information is incorrect. According to the fdcpa, you have the right to dispute the information in the credit report. If there is something wrong in the credit report, send a notice in writing, both to the information provider and the credit bureau who provided the report. Rememeber to include copies of the statements that support your claim.


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