How are credit errors reported with a credit bureau dispute letter?


Use a credit bureau dispute letter to report wrong or omitted items on your credit report.

What kind of credit errors can be disputed?

Your credit report will tell your personal data - address, social security; public records - electoral information, court judgments, and bankruptcies. Also, credit accounts and applications will show up, as well.

The credit bureau dispute letter will list wrong items you are asking to be investigated and removed. Correct information cannot be disputed and will remain on your credit report for as long as it takes.

Negative items may stay up to 7 years and bankruptcy can stay up to 10 years on your credit report. Unpaid judgments can also stay for up to 7 years.

Credit report errors that cannot be on the credit bureau dispute letter are criminal convictions, job application for a position paying over $75,000 and application for credit or life insurance exceeding $150,000. These facts have no applicable reporting time limit.

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