Page 75 - Credit Building Toolkit by Adrean Yancy Jr (2)
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Credit Building Toolkit
Common Questions and Answers on ling for a Dispute
Here are some likely questions and answers you may have regarding filing for a dispute.
Please do not hesitate to seek expert advice for anything that seems unclear to you. Here you
go:
. Wait, will the dispute not hurt my credit?
No, filing disputes do not affect consumers'
credit. However, if there is any change due to
a dispute, then your score could also change, . Can I dispute multiple items at the same
but disputes generally do not affect your time?
score. Yes, you can dispute more than one item
at the same time in the same dispute
. Should I send the dispute letter using a letter. However, you can dispute errors
certified email? or mistakes with the three major credit
You must send a dispute via certified mail bureaus. It is important to mention that
and request a return receipt as it indicates you can expect that the other two will
that your mail has been delivered. rectify the same if you dispute with one
of the three bureaus.
. Which is better, online or mail?
. How many dispute letters can I send at
Mail is better. However, you can also dispute once?
online or through the telephone. Ideally, you can send as many as needed
dispute letters so long you can provide
different reasons and evidence for each.
. How do I know if the report changes?
If there is a change in your report, the credit . How many times can you dispute the
report agencies will update the new same charge?
information as necessary. According to Chi Chi Wu, an attorney in
National Consumer Law, there are no
limits to how many times a consumer
can dispute an item on their reports.
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