
Must I dispute a negative item with all 3 credit bureaus?
I have a negative item on my credit report. I disputed it online with Exparian, and got it removed. Do i have to continue to dispute it with Transunion and Equifax?
Public Comments
- Yes. They are 3 separate companies with their own systems, so you must dispute with each one individually.
- Yes and no. If all three bureaus reflect the same negative information...yes. If only Experian is reporting it ... no. You need to order a "tri-merge" or a report reflecting data from all three bureaus to ensure that your information is correct. Either that or order a separate report from all three. If this is not done, incorrect data will remain on the other two bureaus which can have a negative effect on the total fico scoring for each. Best of luck.
- Disputing credit report errors - the necessity and the process go here and follow the instruction and there is a form to fill out too. Good Luck http://www.slicemypayments.com/personal-finance/Disputing-credit-report-errors.html
- You should use credit repair agency to fix your credit - for example this one - http://buildcredit.ifastnet.com - They can clean lots of bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast.
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