Here's a guide on how you will report / dispute errors in your credit report. For more information read http://www.newhorizon.org/credit-info/what-are-the-steps-in-disputing-credit-report-errors/ Get a copy of your credit report http://www.newhorizon.org/Info/creditreports.htm

1. TIPS TO
DISPUTE
ERRORS
OF YOUR
CREDIT
REPORT
www.newhorizon.org

2. ORDER COPIES OF YOUR ANNUAL CREDIT REPORT
FROM THE 3 MAJOR CREDIT BUREAUS.
 If this is your first time to request for such
documents, this year, then, you can look
forward to receiving your credit files for free.
 If you have requested for your credit report
during the first quarter of the current year then,
you may have to submit a minimal charge to
Equifax, Experian and TransUnion,

3. TAKE A CLOSE LOOK AT THE ITEMS
FOUND IN YOUR CREDIT FILES.
 Catch the errors by thoroughly scrutinizing the entries in
the documents you will receive.
 If you have items in the public records section of your
credit report then, we advise you to check if you can
discharge them from your credit records based on the
statutes of limitations that apply to your state.
 If you think that the negative entries pertaining to your
bankruptcy proceedings, foreclosure, or tax liens are
way past the seven-to-ten-year limit; you can include
them in the items you intend to dispute with the
employees of the credit reporting agencies.

4. WRITE A CREDIT DISPUTE
LETTER
 According to the FCRA, you need to write and send a
letter of credit dispute to the major credit bureaus via
registered mail.
 Put in the letter the list of all the entries you wish to
dispute in your annual credit report
 Attach to your letter copies of financial records, such
as receipts and proofs of payment that will support
your claim.

5. BE READY TO SEND FOLLOW-UP
LETTERS OF CREDIT DISPUTE
 Especially if you don’t receive an acknowledgement
from the credit bureaus within the next 30 to 45
days.
 Your original letter might got lost or was misplaced
by the employees of the credit reporting agencies.
 So, prepare extra copies of your letter and send
them as soon as possible.

6. RESOURCES:
 GET A COPY OF YOUR CREDIT REPORT HERE
 If you are looking for credit cards for bad credit check
this http://www.newhorizon.org/Info/unsecured.htm
 More information about disputing credit report
http://www.newhorizon.org/credit-info/what-are-the-
steps-in-disputing-credit-report-errors/