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Under the law regarding credit repair, both consumer reporting agencies (CRA) and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under the law, contact both the CRA and the information provider if you have a dispute and are in need of credit repair.

The first thing to do regarding your credit repair, is tell the CRA in writing what information you believe is inaccurate. Include copies of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. Send your letter by certified mail, return receipt requested, so you can document what the CRA received. Keep copies of your dispute letter and enclosures regarding your credit repair efforts.

CRAs must reinvestigate the credit repair items in question-usually within 30 days-unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so that they can correct this information in your file… a big step towards credit repair.

Disputed information that cannot be verified must be deleted from your file, and if your report contains inaccurate information, the CRA must correct it. Additionally, if your file shows an account that belongs to another person, the CRA must delete it.

When the credit repair investigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice of its intent to reinsert the items that includes the name, address, and phone number of the provider.

Credit repair is possible... it just takes a little work!