How will I know that the credit bureaus will fix my reports?



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You find an error on your credit report with Equifax, Experian, TransUnion or some other credit reporting agency.

You dispute it, as you have the right to do under the FCRA (Fair Credit Reporting Act).

How do you know it will be fixed or whether it is fixed?

We almost always recommend that you do the dispute by certified mail. This let’s the credit agencies know that you know when they received it.

They normally have 30 days to mail you the results.

You’ll get a “results of investigation” in the mail that will tell you one of three things:

1. Deleted — the account or other information is gone.

2. Updated — there has been a change to the information. Check out the change and see if it is right or is still wrong.

3. Verified — no change in the information.

If wrong, then either dispute again or sue if you can under the FCRA.

What if you don’t get the results of the investigation? Call the bureaus — tell them when you disputed, then they signed for it and ask that they send you the results.

Wish you the best on getting this fixed and understanding your options.

John

John G. Watts
Watts & Herring, LLC
Serving consumers across Alabama
205-879-2447

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