When you’re ready to dispute the errors on your credit report, you have three main options: filing a dispute by mail, online or by calling the credit bureaus.

With identity theft cases rising nationwide, more consumers are discovering unfamiliar accounts or inquiries on their credit reports. Petroff Amshen LLP explains how to respond effectively, protect ...

A 609 dispute letter is a way to request that credit bureaus, such as Experian, remove erroneous information from your credit report. The letter stems from the Fair Credit Reporting Act (FCRA ...

Understanding the 609 dispute letter The seemingly odd name of a 609 dispute letter is a nod to Section 609 of the Fair Credit Reporting Act (FCRA), which gives anyone the right to request ...

While referring to a template letter for disputes can give you an idea of how to format your letter, it’s best to use your own words because boilerplate language might get your dispute flagged ...

Since “on-time payments” make up 35% of your credit score — landing in collections can lower your score in a hurry. Collections typically stay on your credit report for up to 7 years.

The credit bureau must then forward your dispute to the debt collector. If the debt collector can't verify that the debt is yours, the credit bureau must remove it from your report.

Why this is important: If you can prove that the debt is older than legally allowed to show on your credit report, the bureau should remove it. Who this affects most: People with incredibly old ...

If possible, include copies of documents that support your dispute. The Federal Trade Commission (FTC) has a sample letter you can use as a template.