Welcome to the Challenge Pillar: Our Dispute Credit Report Service
Getting your credit report fixed can be a time consuming and detail-oriented process. To reduce stress for you and allow you to enjoy the important things in life, disputing credit reports should be left up to the professionals. Once we step in, here’s how we go about making sure there are no more errors on your credit reports:
✅ Identify Errors
First, we identify the incorrect information on your report, which is done during the Check Pillar. This means combing through your report carefully to find every error.
Some commonly reported incorrect information that shows up on credit reports includes:
- Identifying information (name, age, address, social security number, etc.)
- Closed bank accounts that are mistakenly listed as open
- Unfamiliar or mistaken credit card and loan applications
- Bad debts that are older than seven years
- Duplicate accounts
- Debts from an old joint account or ex-spouse
- Inaccurate payment history
✅ Gather Verifying Evidence
Once we have identified the errors, we contact you to gather evidence showing that the report’s information is wrong. This evidence depends on what mistakes have been identified. For example, if there’s an error with your address, you will be asked to provide recent utility bills or a driver’s license to confirm your actual address.
✅ We Send Credit Dispute Letters
Once documentation has been gathered, we draft and send out a letting disputing the credit report. These are detailed letters that address every error on the report and the verifying documentation.
Each letter is tailored to one of the credit agencies and is based on individual errors. This means that, if necessary, we will send out three credit dispute letters – one to each of the credit report bureaus.
✅ Allow Time for Investigation
Legally, each credit report agency has 30-45 days to respond to our credit dispute letters, though this is not always true nor accurate. They must respond with written notice of their conclusion.
Once your credit report is corrected, you will also receive a copy of the new report.
✅ We Follow Up
Because creditors or companies may not respond to the credit disputes, they may fall by the wayside, especially if they are older paid collections. By hiring us, you make sure that you have someone in your corner who will continuously follow up on your disputed credit report and make sure that the agencies respond, to know what we have to work on or not.
This kind of tenacity also means that we will escalate the matter if necessary, including filing a formal complaint against the creditor.
By hiring Ipsan West, you gain the peace of mind of having professionals take care of all your credit report concerns. We do the heavy lifting and deal with the credit bureaus directly, allowing you to spend your time taking care of the important things in your life.