The Fair Credit Reporting Act requires that Credit Bureaus provide accurate information on consumer credit reports. If you believe there is an error, duplicated item or inaccuracy on your credit report – you have the right to file a dispute so it can be corrected. To find out how a dispute service can help you, call 1-855-447-2170 or click the "Call Now" button below.
Should you choose to enlist the help of a dispute service, we can connect you to one of our trusted partners who will dispute all three bureaus on your behalf.
In order to give you an idea of what to expect when calling one of our partnering dispute services, please review the below “Services Overview & Pricing” chart.
Most dispute services will start by asking you about your credit concerns. Once they have a clear understanding of the reason for your call, they will typically walk you through a risk-free credit summary, including a review of your credit report. They will look for negative items that may be disputable in order to determine whether or not you are a good candidate for the credit repair services that they offer. Based on your individual credit situation, the agent will recommend a course of action and explain any options available to you. If you accept, the dispute service (also known as a credit repair company) will begin to dispute items on your behalf with the three major credit bureaus and the creditors responsible for the negative items.
The amount of time the process takes from beginning to end will vary based on the credit repair company you end up working with and the number of items being contested. It is important to understand that credit repair services are not a magic wand. If your credit is in poor shape, it takes time and effort to improve your overall credit profile. While credit repair companies can assist with disputing unfair items - legitimate negative items cannot be removed. Over time, the impact of legitimate negative items will be diminished until they eventually fall off your credit report completely.
The amount that credit repair companies charge varies, but most will charge somewhere between $69 and $129 per month depending on the service level required. Some may charge a one-time fee to pull your credit report for you. While this price will also vary by service provider, it tends to be in the $14.99 to $29 range. It's important to note that credit repair companies must actually repair your credit in order to justify charging you. If they fail to help you - you are entitled to a refund. For exact pricing based on your unique situation, you’ll need to speak with a credit consultant by calling 1-855-447-2170.
Taking on new projects without the help of experts is time consuming and often causes frustration. Time is valuable, and researching laws in addition to going through the hassle of filing a dispute requires a lot of it! Moreover, there is no easy or quick way to file individual disputes with all three credit reporting companies when dealing with the dispute on your own.
Our professional credit repair consultants are equipped with the skillset required to assist you with your credit disputes. Understanding consumer protection laws such as the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), and the Fair Debt Collections Practice Act (FDCPA) is essential to achieve results in a fair manner. Learning the many laws involved, in addition to finding the necessary resources to file a dispute can be a hassle. Seeking assistance from a qualified professional will help get the job done with ease.
While anyone can file disputes with each bureau and creditor on their own individually, our partners have years of experience disputing items on behalf of clients. They will analyze your credit report and identify items that are disputable based on the Fair Credit Reporting Act guidelines. Once identified, they will then dispute the items on your behalf with Equifax, Experian and TransUnion - and also with creditors responsible for placing the item on your credit to begin with. You will be updated on their progress from beginning to end.
Yes. The federal government allows individuals to dispute items and resolve errors on their own.
An agency will verify credit information that is disputed by you. The organization who has reported the information will be contacted in order to determine the accuracy of the report. Once your request is processed, it can take up to 30 days for the investigation to conclude. Companies who have inquired about your history are notified about the dispute, and often you will receive notice in the mail that the investigation has concluded.
If the information has been reported correctly, you generally are able to write a statement explaining the dispute.
During this process, it is recommended that you do not apply for credit.
A credit score cannot be disputed because it is generally not included in a credit report. You receive a score at a certain point in time when and inquiry has been placed. However, information changes within the report may cause your score to change. Information that may be disputed includes credit history, outstanding balances, number of accounts, age of account and other factors. Inaccurate information on the report can be investigated and clarified.
Check to ensure that the information is solely about you, and that the report does not include inaccurate or incomplete information. Some errors may include:
Information remains on your account for about 7 years or until the statute of limitations runs out. A statute of limitations is the limited time period creditors or debt collectors have to file a lawsuit to claim the debt. However, bankruptcy can remain on your report for up to 10 years.
Immediately contact a nationwide credit reporting company to place a fraud alert on your credit report. A fraud alert ensures that creditors take steps to verify your identity before opening a new account, issuing a new card, or increasing a credit limit.