How to Dispute Experian and Remove Bad Credit
How you can file a dispute with Experian credit bureau. What will happen once your dispute is filed with them.
To dispute Experian you must compose a dispute letter and mail it to them. Upon receipt of your letter they will investigate the disputed item.
The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report,
they will provide you with your free copy.
Once you have received your credit report you need to identify what marks are incorrect. These are going to be the marks that you will dispute.
These marks are disputed by writing a dispute letter and sending it to Experian. Upon receipt they will say if your dispute is valid or invalid.
If they find your letter invalid you will receive a letter from them asking for more details about the dispute. You should respond accordingly and provide them with the information.
However if they find your dispute valid they will investigate the mark. During an investigation they will contact the originator of the item and ask them to verify the account, the balance, and the dates on the account.
Frequently an investigation will result in the removal of a bad credit item. This happens because many businesses are not going to spend the time or money verifying a disputed debt.
A credit repair service can also be hired to remove negative credit from your report. With this option you only need to identify the marks you wish to dispute and the service will do the rest.
The benefit of a service is they can use advanced dispute techniques such as; debt validation, escalated dispute information requests, and creditor direct intervention.
I suggest do it yourself credit repair if you have only minor damage on your report, however if you have multiple marks I suggest a credit repair service. I also suggest a service if you are having trouble submitting a valid dispute or you have had a mark verified that should be removed.
Be aware that you must send a dispute letter to each credit bureau. If you do not you may remove a negative mark from your Experian credit report however this mark will still be on your Equifax and Transunion credit report.
In sum you can dispute Experian and have them remove negative credit from your credit report. You must either hire a service or dispute the listings yourself.
