LEARN EXACTLY HOW TO REMOVE NEGATIVE
COLLECTION ACCOUNTS
REPORT IN DAYS
How to File a Dispute with the Credit Bureaus:
If validation fails or the account contains errors, submit a dispute with the credit bureaus. Disputes can be made online, by mail, or by phone.
Supporting Documentation:
Include copies of any evidence, such as previous payment records or a debt validation response. Describe the inaccuracy clearly (e.g., "Debt was paid in full on [date]" or "Account is not mine").
Sample Credit Bureau Dispute Letter:
A letter template to help initiate the dispute (see Templates section).
Credit Bureau Response Time:
Credit bureaus must investigate and respond within 30 days.
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