What Can I Do If The Credit Bureau Refuses To Remove Incorrect Information From My File?

OK, you have followed all of my advice, written letters of dispute to the credit bureau and still no results?  Well, now I will share with you how to go to war with them.

The first thing you want to do is to be sure you have worked on the issue both at the credit bureau and with the creditor as well.  Generally, the credit bureau will remove or update an item if the creditor agrees.  So, at the root of most credit disputes is the original creditor.  I suggest first challenging the item with the credit bureau, since this gives the creditor only 30 days to respond.  If they don’t respond, the item is removed.  If they do respond and affirm the information to be true, it will remain on your credit report.

Even though the credit bureau’s alliance is to the creditors and not you, there is one thing that will get them to reconsider.  For years, we have been using Pre Paid Legal to send a letter demanding the correction of inaccurate data.  The letter usually contains some additional language threatening a lawsuit.  If your dispute is legitimate, this will work.  Click on the link above to enroll in Pre Paid Legal for only $26 per month.  Writing letters is just one of the many benefits you are entitled to with the service.

A last option is to to pay about $50 to file a lawsuit in small claims court.  Yes, you can sue both the credit bureau and the creditor in the same lawsuit.  Generally, once they are served the lawsuit they will call you an offer to settle the suit by removing the item from the credit report.  It usually does not come this, but occasionally it is necessary.

Agree or disagree, click on comments below.

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My main website is www.ChristianMoney.com

James L. Paris