How Can I Dispute an Inaccurate Credit Report Item?

As an experienced Hartford County Consumer Credit Lawyer, I’m often asked how to dispute an inaccurate credit report item. Consumers have the right to dispute an item on their credit report under the Fair Credit Reporting Act. The way to do this is to file a form, F3, which is quite simple, and it’s best to do this on one of the three credit reporting agency’s web site as they’re required to report the inquiry to the other two agencies. There are two results: either they remove the item within three days from your credit report or they have the option of informing you they’re going to investigate the claim in which they have 45 days to get back to you with the results of their investigation. Now the investigation must attempt to look at all reasonable facts available to them. If it turns out you want to challenge a resulting investigation or finding it’s best to consult with an attorney.

This informational blog post was brought to you by Attorney Eric L. Foster, an experienced Hartford County, Connecticut Consumer Credit Lawyer.