10d • Q&A Credit Repair
Disputing 101: How to Challenge Negative Items the Right Way
Let’s get into the real sauce of credit repair: DISPUTES. 💥
A properly written dispute can remove:
- Collections
- Late payments
- Charge-offs
- Duplicate accounts
- Inaccurate personal info...and more 👀
But you have to do it right.
🪜 STEP-BY-STEP: How to File a Credit Dispute
🔹 Step 1: Pull Your ReportsGet your free reports weekly at:👉 AnnualCreditReport.com
Look for:
- Late payments you didn’t make
- Accounts you didn’t open
- Incorrect balances, dates, or statuses
- Duplicates or outdated items
🔹 Step 2: Decide How to DisputeYou can dispute in 3 ways:
- Online (faster but less effective long-term)
- By mail (the preferred method for results)
- By phone (not recommended — no paper trail)
📌 Pro Tip: Certified Mail with return receipt is KEY when mailing disputes.
🔹 Step 3: Write a Simple, Direct Dispute LetterKeep it short and factual. Example:
“I noticed an error on my credit report. The [account name] is not mine / contains inaccurate info. Please investigate and correct or remove it under the FCRA.”
✅ Include:
- Your name + address
- The account name + number
- Clear explanation
- Copy of your ID + utility bill (to verify identity)
🔹 Step 4: Send to Each BureauAddresses for all 3 bureaus:
- ExperianP.O. Box 4500Allen, TX 75013
- EquifaxP.O. Box 740256Atlanta, GA 30374
- TransUnionP.O. Box 2000Chester, PA 19016
🔹 Step 5: Wait 30–45 DaysThey must investigate and respond within 30 days.📩 You’ll get results in the mail or online.
If they verify without proof, that’s when we escalate 💼 (more on that in a future post).
💬 COMMENT BELOW:Have you ever filed a dispute before? What happened? Let’s talk results + next moves 👇
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Disputing 101: How to Challenge Negative Items the Right Way
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