I didn't want to do it that way, I wanted to send a certified mail. It was kinda difficult to understand her, but I went through with giving her my info and SSN and she said she will dispute it for me and said I would get an answer within 30 days and gave me a confirmation number. I told her I was going to send a letter as well and she said I don't need to as she already put it in dispute. I told her I would feel comfortable if I did send a letter to keep track and she was vague about it. I got her name but not her last as she said it was against policy to give their whole name. Do you think I should send a certified letter regarding the items I told her I'm disputing to be safe on my side? Should I put down the confirmation number she gave to me in it? I don't want them to reject my
dispute if I'm requesting to remove inaccurate items on my credit report too many times at once. What is the best way for me to go about this? Is the confirmation number she gave me good enough? For some reason it does not sit too well with me.
You can do it over the phone but you have no proof you made the call and that's why a lot of people prefer to send a certified letter or do it online at their website. I always recommend you send a certified letter so you can prove you notified them of the error. It is the written letter that is proof that you gave them notice to investigate and fix an error in your credit report. Here's an explanation of the process. When an error is on your credit record that you want removed, you first must send a written notice to the credit reporting agency (some people think of them as the credit bureau, but technically that may not be the right name in your state). You have to tell them that your report contains errors and what the errors are and why the error is wrong info and tell them that you want them to investigate the error and remove the inaccurate information and, most important, tell them that you want an answer from them within 30 days. The letter doesn't need to be fancy and if you aren't sure of how to say it, you can use this free online form letter here: http://www.ohiolemonlaw.com/ocll-site/ocll-pdfs/ocll-dispute.pdf. Send the letter by certified mail, return receipt, so you can prove when they got it. And keep a copy of your letter. Be sure to check all 3 credit reporting agencies to see if the error is on all of them. If so, you need to write a seperate letter to each one of them. If you don't know, then you need to know that you are entitled to get a free copy of your credit record once a year from each of them. To get your free reports, you can call the official toll-free number, (877) 322-8228, or you can go to this web page where you will find a link online: http://www.ohiolemonlaw.com/ofc-credit-record-rights.html. Once a year you should get a copy of your credit report to make sure things are accurate, to protect yourself. And if you end up on any web site that promises you a free credit report and they ask for your credit card into - don't give it to them because you are on the wrong web site and they will charge you. If the error is not removed from your credit report within 30 days after they get your letter, then you may have the right to make them fix it with a court order and to get paid money just because they did not follow the law and do it when you asked them. So when you send the letter out and get that certified mail green card back, note the date on it and then wait about 40 days. If you don't get a letter from them that says they removed it, then get another copy of your credit report and see if it is still on it. If so, then you can should call a Credit Rights lawyer near you for advice on exactly what to do next. For a list of common questions and answers about credit protection laws and your credit report rights, check this web page: http://www.ohiolemonlaw.com/ofc-credit-report-faq.html. You need to talk to a local Credit Rights Law attorney who deals with this kind of case. Call your local attorney's Bar Association and ask for a referral to a Credit Rights Law attorney near you or go to www.NACA.net where you can search for one on a national list. But act quickly because for every legal right you have, there is only a limited amount of time to actually file a lawsuit in court or your rights expire (it's called the statute of limitations), so don't waste your time getting to an attorney and finding out what your rights are. If this answer was helpful, please give me a “Vote Up” review below. Thanks. Ron Burdge, www.OhioFairCredit.com
You can do it over the phone but you have no proof you made the call and that's why a lot of people prefer to send a certified letter or do it online at their website. I always recommend you send a certified letter so you can prove you notified them of the error. It is the written letter that is proof that you gave them notice to investigate and fix an error in your credit report. Here's an explanation of the process. When an error is on your credit record that you want removed, you first must send a written notice to the credit reporting agency (some people think of them as the credit bureau, but technically that may not be the right name in your state). You have to tell them that your report contains errors and what the errors are and why the error is wrong info and tell them that you want them to investigate the error and remove the inaccurate information and, most important, tell them that you want an answer from them within 30 days. The letter doesn't need to be fancy and if you aren't sure of how to say it, you can use this free online form letter here: http://www.ohiolemonlaw.com/ocll-site/ocll-pdfs/ocll-dispute.pdf. Send the letter by certified mail, return receipt, so you can prove when they got it. And keep a copy of your letter. Be sure to check all 3 credit reporting agencies to see if the error is on all of them. If so, you need to write a seperate letter to each one of them. If you don't know, then you need to know that you are entitled to get a free copy of your credit record once a year from each of them. To get your free reports, you can call the official toll-free number, (877) 322-8228, or you can go to this web page where you will find a link online: http://www.ohiolemonlaw.com/ofc-credit-record-rights.html. Once a year you should get a copy of your credit report to make sure things are accurate, to protect yourself. And if you end up on any web site that promises you a free credit report and they ask for your credit card into - don't give it to them because you are on the wrong web site and they will charge you. If the error is not removed from your credit report within 30 days after they get your letter, then you may have the right to make them fix it with a court order and to get paid money just because they did not follow the law and do it when you asked them. So when you send the letter out and get that certified mail green card back, note the date on it and then wait about 40 days. If you don't get a letter from them that says they removed it, then get another copy of your credit report and see if it is still on it. If so, then you can should call a Credit Rights lawyer near you for advice on exactly what to do next. For a list of common questions and answers about credit protection laws and your credit report rights, check this web page: http://www.ohiolemonlaw.com/ofc-credit-report-faq.html. You need to talk to a local Credit Rights Law attorney who deals with this kind of case. Call your local attorney's Bar Association and ask for a referral to a Credit Rights Law attorney near you or go to www.NACA.net where you can search for one on a national list. But act quickly because for every legal right you have, there is only a limited amount of time to actually file a lawsuit in court or your rights expire (it's called the statute of limitations), so don't waste your time getting to an attorney and finding out what your rights are. If this answer was helpful, please give me a “Vote Up” review below. Thanks. Ron Burdge, www.OhioFairCredit.com
You should have just sent a certified letter to advise Equifax of the errors and to request that they be fixed. Although you can perform this task by phone, you will have to wait the 30 days before you are able to receive a response.
That being said, there is nothing which prevents you from sending your certified letter now.
