Online Credit Report Dispute Experian
2010
Credit repair?
Recently I viewed my credit report online. I decided to dispute some of the potentially negative accounts. I did this through experian. They “deleted” or removed some of them off. Some were updated, and others remained. Once they are removed are they gone for good???
Once an item is removed from the credit report the Fair Credit Billing Act moves into effect. Just like the bureaus have 30 days to verify a debt or remove it, the FCBA begins another 30 day period where creditors have that time to verify the debt and provide proof to the credit bureaus. Then, by law, the bureaus have one week to send you a letter advising you that it has been put back on. If the above criteria are not met, the trade line is removed from your report forever.
edit- Also, don’t ever dispute online. The check box that you checked signed away your rights under the FCRA. It says that you may not dispute the item again without further proof. That is NOT the protection laid out for you in the FCRA. Always dispute by mail. Just FYI.
Best Ways to Raise Credit Scores – How To Get High Experian, Equifax, Transunion FICO Credit Scores
Comment