How to Dispute Your Experian Credit Report

To dispute your Experian Credit Report, follow these steps:

• STEP 1 : Draft a credit bureau dispute letter.
• STEP 2 : Mail the letter via U.S. Registered Mail.
• STEP 3 : Wait for the results. Experian typically takes about 30 days to perform the investigation.

Why Not Dispute Online at the Experian Website?

Because it is easier to win by disputing via US Mail.

You must keep in mind that Experian is a for profit corporation. Experian employs approximately 15,500 people in 38 countries and supports clients in more than 65 countries. Annual sales for this international corporation are estimated to be nearly $4.1 billion!

Did you have any idea that Experian gets rich by selling your private information? 

Investigations cost Experian time and resources which is why they encourage you to file your disputes online. Plus, to file an online dispute you will have to purchase an updated copy of your report, which will cost you about $15. (In other words, the .44 cent stamp saves you money!)

Finally, filing an online dispute is not faster than disputing by regular mail. And a written dispute letter creates a paper trail for you in the event the credit bureau ignores your investigation request. In other words, written documentation provides support for your dispute in the event legal intervention is later required.

What if You Lose Your Experian Dispute?

If Experian refuses to remove credit errors, you have alternative options. Just don't panic! There are other ways to fix your credit.

Damaging credit information that the bureau refuses to erase can be extremely frustrating and may cost you money - especially if you are trying to get approved for new credit, such as a mortgage.

However, there are some alternative techniques that a credit repair professional can use to help remove the bad credit. These include debt validation, escalated dispute methods, and creditor direct interventions.

These methods are complicated and are most effective when executed by a professional - preferably an attorney with experience in credit matters. For best results, we recommend the Lexington Law Firm.

Lexington Law attorneys have experience deleting negative credit items including: bankruptcies, charge-offs, judgments, public records, settled accounts, collections, paid collections, credit inquiries, repossessions, garnishments, foreclosures, late payments, liens, and other questionable bad credit.

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