Credit Report Dispute - Overview

There are certain times when you must initiate credit dispute. Several things can trigger credit report dispute:

• you were denied credit, insurance or employment because of information supplied by a Credit or Consumer Reporting Agency
• you received bills for the items you never bought
• you got divorced and wanted to see if your ex was using your name and social security number
• you got a phone call or a letter from collection agency

Or whatever else made you worried, here the steps you need to take: Getting your credit report
Contacting credit reporting agencies
Providing correct information
Analyzing your credit report
Disputing your credit report
Getting response from credit reporting agencies
Checking new credit report

Credit report dispute can be quite time consuming and often frustrating. One thing to remember is that when disputing you must check credit reports from each credit reporting agency - Experian, TransUnion and Equifax.