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Three Common Credit Report Dispute Mistakes
Disputing credit report errors can be difficult if you don’t follow the proper procedures. In this post, we identify three common mistakes consumers make when they find errors on their credit report.
If you have questions about credit report errors, or if you can’t get errors fixed, visit our credit reporting page to learn how BCJ Law can help. Call us at 1-800-997-5561 or fill out our contact form.
Avoid these mistakes when disputing credit report errors:
Dispute errors directly with credit reporting agencies.
Credit report errors often involve banks, lenders, and other third parties. When consumes believe a bank, lender, or other third party is at fault for reporting inaccurate information, consumers often contact the bank or lender directly. That usually is the wrong approach.
Don't dispute errors with data furnishers without involving credit report agencies.
Dispute errors directly with credit reporting agencies and send follow-ups to data furnishers.
Whenever you see an inaccuracy on your credit report, contact the credit reporting agency first. The Fair Credit Reporting Act (FCRA) only gives you the right to sue to correct a credit report error if you contact a credit reporting agency. If you don’t get the credit reporting agency involved, errors may not get investigated or corrected. Visit BCJ Law’s sponsored website, fixcreditreporterrors.com, and read our post on disputing credit report errors for more information.
Include enough detail in your dispute to ensure proper investigation.
Our belief is that the best way to dispute credit report errors is in writing. This way, you’re not limited in what you can include with your letter, or what documents you can attach. Online disputes may be convenient, but you may be limited in what you can include. The same goes for disputes by phone.
Include all facts that show an error is inaccurate.
Include all documents that show an error is inaccurate.
The best way to ensure your dispute is considered and investigated is sending a detailed letter that includes all facts and information relevant to your dispute. Be sure to include all relevant documents and explain why you believe the errors you identified are inaccurate.
Opt-out of arbitration provisions that are part of the dispute process.
If you choose to dispute a credit report error through an online portal, be sure to read the terms and conditions applicable to the online portal. Credit reporting agencies may have an “arbitration provision” in the terms and conditions related to their online portals. “Arbitration provisions” take away your right to sue in court. Additionally, arbitration clauses generally prohibit you from participating in a class action.
Don't ignore arbitration; you give up your right to sue in court if you do.
Opt-out of arbitration provisions or send disputes by mail to avoid them.
A good way to help avoid arbitration is sending disputes by mail. If you do choose to submit a dispute online, you often are able to opt-out of arbitration within a certain time period after submitting your dispute (usually 30 days).
Hire BCJ Law to help!
If you have questions about the credit report dispute process, or if you’ve sent multiple disputes and still aren’t having success, contact BCJ Law for help. To get a free case review from our credit report attorney, call 1-800-997-5561 or complete our contact form.
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