Have you found inaccurate information on your Equifax credit report? If so, this guide will provide you with step-by-step instructions on how to dispute and correct that inaccurate information .....
1. Make sure you have the most up-to-date version of your Equifax credit report.
You can obtain a free copy of your Equifax credit report at https://www.annualcreditreport.com/index.action. This is the website that Equifax and the other national credit reporting agencies are required to maintain underfederal law. It is not a commercial site designed to sell you credit products, like many of the "free credit report" sites on the Internet.
2. Decide how you would like to initiate your dispute.
There are three ways that you can dispute inaccurate information with Equifax.
Second, you can initiate a dispute via telephone. Here is the telephone number you should call: 1- 866-349-5191.
Finally, you can initiate a dispute by mail. Here is the address: Equifax, P.O. Box 740256, Atlanta, GA 30374-0256.
3. State your dispute clearly and politely.
In your dispute notice, you will need to describe why your credit report is inaccurate. You should do so with simple, straightforward language. For example, if your credit report inaccurately states that your account has not been paid, then state that the debt was paid and the date on which it was paid. If you have documentary evidence to support your dispute, you should include it. For example, you should include the canceled check evidencing payment of the account, if you still have it.
In your letter, you should always be polite. Yes, dealing with credit reporting agencies can drive you crazy. But, remember, one day your dispute letter may be read by a judge or jury. Making threats, using abusive language or profanity could harm your case.
4. Make sure you have a paper trail and keep copies of everything.
My recommendation is that you make your dispute using the US mail. Be sure to keep a copy of your dispute letter and any response you receive from Equifax. You should also send your dispute letter certified mail return receipt requested. Keep the receipt for mailing and the delivery receipt, which indicates the date your letter was received by Equifax.
5. Wait for a response ... It will generally take 30 days.
Under federal law, Equifax has 30 days to respond to your dispute. The 30 days begins to run on the date that Equifax receives your dispute, which is why you should always send your dispute certified mail return receipt requested, if you are going to initiate the dispute by mail. If you initiate your dispute by telephone, keep notes of your calls, when you called, who you spoke to, what you told them.
6. Making a dispute directly with the creditor who has placed inaccurate information on your Equifa
Under federal law, you have a right to dispute inaccurate information on your credit report directly with the creditor who put that information on your report. So, for example, if a credit card company has placed inaccurate information on your credit report, you are entitled to dispute that inaccurate information directly with the credit card company and, the company is obliged to investigate your dispute. However, making a dispute of inaccurate information with the credit reporting agency, i.e. Equifax is a prerequisite to filing a lawsuit under the Fair Credit Reporting Act. So, if you think that ultimately you will have to file a lawsuit to get your credit report corrected, you need to make a dispute with Equifax.
7. Call a lawyer who specializes in Fair Credit Reporting Act cases.
These days, lawyers are as specialized as doctors. You wouldn't ask a podiatrist to perform brain surgery. And, you shouldn't ask a lawyer who handles personal injury cases to handle your credit reporting case. Make sure you're getting an attorney who has experience handling cases under the Fair Credit Reporting Act. We handle these cases every day and have done so for years.
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