 | What do you do when disputing a truly inaccurate credit item with Experian Equifaxor TransUnion doesn't work? |
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Question: What do you do when disputing a truly inaccurate credit item with Experian Equifaxor TransUnion doesn't work?I have been using this free credit repair kit on this website: www.expert-credit-advice.com and have had many inaccurate items removed by using the pretyped dispute letters, however; a few of the truly inaccurate items have been deemed "accurate" by the bureaus. I used the demand and follow up letter and the bureaus insist that I am using a credit repair company and refuse to investigate further because they say I am a frivelous consumer disputer!!!! I am simply wanting my credit to be accurate and they will not do anything further than offer me a "consumer statement of a 100 words or less". I heard placing a consumer statement is really bad, so I dont want to place one. Can someone please tell me how to approach the bureaus; sue them, send more letters????
Answer: -The bottom line is, you must show proof that the items are inaccurate! Contact the original debtor and find out what their records show! If they show you paid, have them send you a letter saying so. You must save receipts for these types of things! -Or just contact the creditors with the provided documentation and remind them that the debt is paid (if that is your dispute).If the debt has been paid, yes, it will remain on your report for at least 7 years.When you use a so called repair service they bombard the credit bureaus with dispute letters, so maybe that is why the frivelous statement came in.So I guess inaccurancy in what way are you disputing? They are inaccurate in what way?
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