Request a closer look at errors in your credit report with help from this letter. By asking a credit reporting agency to reinvestigate disputed items in your credit files, you can attempt to remove errors and include favorable information. Make sure that credit reporting agencies:
reinvestigate items you’re disputing in your credit report
remove or modify disputed information that can’t be verified
notify you of any determination on disputed items within five business days
Exercise your right to request a closer look at errors in your credit report
You may have seen a recent copy of your credit history and come away with questions about what it contains. Federal credit laws give you the right to dispute errors you believe are in your credit report, such as inaccuracies, incomplete data, or even information that isn’t supposed to be there in the first place (an account that has been wiped clean, for example). By asking a credit reporting agency to reinvestigate disputed items in your credit files, you can attempt to remove errors and include favorable information.
Nolo’s Letter to Request Reinvestigation helps you exercise your rights under federal credit laws and make sure that credit reporting agencies:
reinvestigate items you’re disputing in your credit report
remove or modify disputed information that can’t be verified
notify you of any determination on disputed items within five business days
By sending one letter, you can clean up errors and inconsistencies on your credit report, leading you one step closer to financial freedom.
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