You may have heard many things about who exactly is legally able to dispute items on a consumer credit report. While we aren’t lawyers and our ramblings shouldn’t be taken as legal advice, do you really believe there is a law that says you can’t tell a credit bureau they are off their rockers??

Of course not. Feel free to contact the credit bureaus as you see fit concerning items on your credit report. Some information you may want to include in your correspondence is:

• Your full name
• Your address
• Your social security number
• The account names & numbers in question
• Why you are writing and what you thing is incorrect on your credit report

Good luck!

If you hired a credit repair company or decided to dispute items on your credit report with the credit bureaus yourself, the process would look something like this:

1. Dispute letter sent to bureau.
2. Bureau receives dispute letter and opens investigation with your creditor.
3. Your creditor has 30 days to respond to the credit bureau.
4. Credit bureau then sends you the results.  After mailing time this is generally about 60 days after you initially sent your dispute letter.

As a continuing installation to our blog here at CreditForums.org, we’d like to touch on credit repair just a bit. This is a hot topic among consumers, especially those with imperfect credit histories.

So without further ado, let’s talk definitions. Credit repair is usually considered the act of sending dispute letters to the three major credit bureaus for accounts with negative history. Law requires that the credit bureaus supply proof that their records are correct, otherwise they must remove the information from the information. Therefore, if a bureau cannot prove that “x” account is past due, it may no longer be marked as late on your credit report and your credit scores may improve as a result.

That, in a nutshell, is what is typically thought of as credit repair. There are companies out there who specialize in this service and there are also ways to go about disputing your credit report on your own. Stay tuned for more information on both.