Handling Your Own Credit Disputes

Errors on your credit report can result in a low credit score.

Bad credit can keep you from getting auto loans, mortgages, and even jobs! It also impacts other things; like how much you pay for auto insurance.

That is why it is so important to correct errors on your credit report.

At Emerald Credit Solutions, we offer three levels of plans designed to help you improve your credit score.

What if you are more of a DIY kind of person?

No problem.

Here are some tips you can use to help you improve your credit on your own.

Step 1: Check Your Credit Reports for Errors

Each of the three credit bureaus must supply you with a free copy of their report at least once a year. That means you can get a free credit report three times a year. You may also have free credit reports through your credit cards or as benefits from your bank.

Check your credit report and look for errors. Spotting them is the first step to fixing them.

Step 2: Notify the Credit Bureau of the Problem

The first thing you need to do is inform the credit bureau of the error. If the same error appears in multiple credit reports, you want to notify each credit bureau.

Your notification should be in writing. Let them know what is inaccurate. If you have any documents or proof of your position, include it with the letter.

If you are alleging identity theft, you may need to provide a police report with your dispute letter.

Step 3: Notify the Creditor of the Problem

Next, make sure you notify the creditor of the dispute. If the creditor recognizes the error and changes it themselves, it can result in a faster repair than the dispute process through the credit bureaus.

Step 4: Address Any Bigger Issues

What was the reason for the error on your credit report? Are you the victim of identity theft? Did you experience financial difficulties that late to slow or late payments?

For many people, repeated errors on a credit report point to a bigger problem. Take steps to address it, so that you are not constantly fighting a bad credit score. That may mean freezing credit if you have been the victim of identity theft or getting credit counseling if you had bad credit practices.

Get in Touch

Fill the form and get a quick quote!