HOW DO I CORRECT AN INACCURATE EXPERIAN CREDIT REPORT?
The best way to correct an inaccurate Experian credit report is to send Experian a detailed dispute letter explaining the factual scenario why the information that Experian reports on your credit report is wrong. You should also include any supporting documentation with the credit dispute letter to prove to Experian that the credit reporting is not correct. WE recommend that you mail this credit dispute package to Experian via certified mail so that there is no issue proving that Experian received your credit dispute package.
WHAT INFORMATION SHOULD I INCLUDE IN THE LETTER?
The more information that tells Experian why the credit report is inaccurate the better. You need to be as descriptive as possible because the FCRA requires Experian to review and consider the information that the consumer includes in the dispute. Any fact that tends to demonstrate that Experian is reporting inaccurate information should be included for their consideration. You should also include your basic identifying information so that Experian cannot claim they could not locate your credit file.
SHOULD I DO THE CREDIT DISPUTE ON-LINE?
Experian likes to have consumers dispute information on-line because it is much cheaper for them to deal with the dispute than if you mail a written dispute letter. On-line disputes tend to have limitations in the amount of information that can be provided, and it can be difficult to upload supporting documents related to the dispute. In addition, if Experian has inaccurate identity theft accounts or information on your credit file, it may be difficult for you to obtain information related to your credit file on-line. We recommend written disputes over on-line ones.
WHEN DO I NEED A LAWYER?
Most consumers should be able to note disputes on their credit report without the assistance of a lawyer or a third party. We caution against any consumer dealing with a credit repair organizations or third-party companies because their disputes are often incomplete and sometimes inaccurate. BCPC assists consumers with objectively providing inaccurate information on their credit files that Experian, Equifax, and TransUnion refuse to correct on consumer credit reports.
If you have an error on your credit report and need legal help getting it corrected contact the Virginia Credit report error lawyers at Blankingship & Christiano, P.C. (571) 207-8331 or fill out our contact form to discuss your case.