If you have derogatory items on your Experian credit report you have to contact Experian directly. All of your communication with Experian should be through certified mail with a return receipt. This is going to take some time and a lot of organization on your part. Experian’s contact information is as follows:
P.O. Box 2104
Allen, TX 75013
When you write to them include your full name, address, a copy of your Experian credit report, the name of the account or inquiry in question and copies of any supporting documents you have for your Experian dispute.
Did you authorize inquiries on your credit report?
Did you apply for credit or apply for a loan? Think now. All inquiries for credit will legitimately land on your credit report. Did you get turned down for an auto loan? Maybe you applied for a credit card to transfer high interest balances to a new low interest card with an introductory rate.
Get Proof and Go Straight to the Horse’s Mouth
The burden is on the company who reported you to Experian to prove to that you did in fact apply for credit from them or fall delinquent on an account. Write them letters asking for proof. You have a right to a copy of any document you signed.
Cover your tracks
Again, all correspondence regarding your credit should be in a letter form and mailed via certified mail from the postal service. After weeks or sometimes even months of going back and forth with the lender you might find that the lender has no proof of your authorization to apply for credit. You could be the victim of identity theft or the lender might have made a simple mistake when entering a social security number in their system.
Don’t just lie down and accept negative items on your credit report! Do the work to dispute bad credit or have a professional credit repair lawyer do the work for you. If the lender cannot prove the debt is yours by all means ask them to delete the item from your credit report at once!
Follow up
This is why even the simplest credit fixes can be so aggravating. You must take personal responsibility for what is affecting your credit score. This requires documentation and diligence. After you’ve settled the inaccuracy with the lender you must send all documentation certified mail to not only Experian but also Equifax and Trans Union credit bureaus if they are reporting it as well. Do you have copies from all three bureaus? You can’t trust that what’s showing on one credit report is what’s showing on the other two.
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