Credit Disputes by Telephone
Each of the major credit bureaus (Experian, Equifax, and Trans Union) allow consumers to dispute information on their credit report by phone. Disputing by phone has the advantage of being a quicker and sometimes easier process than writing a dispute letter. See our articles, How to Draft a Dispute Letter and How Do I Dispute Errord on My Credit Report?
Complications of Disputing by Telephone
Even though the credit reporting agencies offer you the opportunity to dispute by telephone, these disputes present problems. First, and most importantly, unless you record your conversation, you will not have any evidence of what was disputed or the information you provided to the credit bureau. In the event of a law suit, this can present serious evidentiary hurdles, especially if the credit bureau denies that you called or raised a particular issue.
Second, phone disputes do not provide consumers with the chance to submit supporting documentation. In many instances, documents proving your position can be helpful for the credit bureaus, as well as jurors. If you choose to dispute by phone, you lose the opportunity to show that your position is correct.
Phone calls may be used as a means of following up on a prior credit dispute. If you decide in favor of a credit dispute by phone, make sure to preserve the evidence of the call, such as recording, making notes, and keeping a call log. Check your state laws covering the recording of phone calls or consult a local attorney to find out if this is legal.
What Additional Resources Are Available?
- Want to see a list of the credit bureaus who keep data on you? Check out our Credit Bureau List.
- If you need help deciding which reports you need, you can read our article on Credit Reports to Order.
- Need help getting your credit report, see our article on How to Get Your Credit Report.
You may have a case under the Fair Credit Reporting Act if you notice the following things on your background report:
- Fraudulent identity theft accounts on your credit credit report.
- Someone else's Information on your credit report.
- Paid accounts still showing a balance due.
- Reporting your accounts in good standing as charged off or in collections.
- Discharged debts still reporting as owed.
- Paid tax lies showing as still owed.
- Derogatory accounts more than 7 years old still on your report.
- Previously deleted accounts that have been reinserted on your report.
- Duplicate reporting of the same account.
If you would like help with one of these problems, call (888) 400-CREDIT | (888) 400-2733 or contact us through this site.
How Much Are Your Fees?
We only charge a fee if we are able to recover for you, and The Fair Credit Reporting Act requires the other side to pay your attorney's fees if you win. You pay nothing up front and we take our fee from the other side.
Follow Up and Monitoring
After your case is done, we will help you to regularly check and monitor your background checks with free annual reviews of your background checks and credit reports to insure that you stay free of false conviction information.
Work with a Credit Report Attorney
If you have been the subject of an inaccurate credit report, you may have be able to seek a correction and compensation for any harm. Our firm can help. For more than 25 years, the attorneys of Lyngklip & Associates have represented victims of bogus credit reports credit reports and been a resource for Michigan consumers who need the help of an experienced lawyer.
To learn more or to schedule a free initial consultation with a credit report lawyer, contact our law firm today or call (888) 400-CREDIT | (888) 400-2733 or contact us through this site. In Michigan, you can reach our office at (248) 208-8864.