A collection account, for example, is supposed to age off of your credit report after seven years and 180 days from when it was first delinquent.
In your letter, you'll need to include your account number, the closing date of the bill on which the disputed charge appears, a description of the disputed item and the reason you're withholding payment.
If someone with the same name or a similar name applies for credit, a piece of their file may become mixed with yours.
As we mentioned earlier, the dispute process can be done online or via the mail with each of the credit reporting agencies.Certain debts have a ticking clock of sorts when it comes to your credit report.Keep on Paying, even though you're disputing an item on your current bill, it's important to maintain your other payments.If not, you'll have to pay for the disputed item, as well as any additional finance charges that may have accrued.You're not required to pay anything on the disputed charges while the credit card home run derby contestants stats issuer investigates, but you do have to make any other required minimum payments and finance charges.Sample Credit mix 104 1 contest rules Card Billing Dispute Letter.A consumer with a common name like John.Be baby freebies for grandparents clear and concise.The National Consumer Law Center identified four common causes in a 2009 report on the topic.Be sure to customize it with your personal information, including your credit card account number or at least the last four digits of the account number.Federal law permits you to dispute credit report errors with the credit bureau in question and, chances are, theres a how to section right there on the report containing the error.What to Put in Your Credit Card Dispute Letter.
If not, you can visit the credit bureaus website to get the process started.
Steps to Remove Negative Items From Your Credit.