Step one – Get copies of your credit reports. Once you have your credit reports in your hand, review them carefully for inaccurate information. After reviewing them and you find errors, use a sample dispute letter that you can find on the internet to dispute the errors you found. Send this letter by way of certified mail and return receipt. The credit bureaus has 30 days to investigate the inaccurate information and get back with you. If they cannot complete the investigation within 30 days, then according to THE FAIR CREDIT REPORTING ACT, they must delete the item.
Step two – If 30 days has past and you still have not heard from the credit bureaus, then send out a follow-up letter restating the inaccurate information in your credit reports.
Step three – Once you get your credit reports back after the 30 days and you notice that the errors have not been corrected, then send out a more threatening letter using the language from the FAIR CREDIT REPORTING ACT,
Step four – After receiving your credit reports for a fourth time, and the credit bureaus still have not fixed the errors, then you will inform the credit bureaus that if they don’t fix the problems in your report, you will file a complaint with the Federal Trade Commission.
Step five – Still have not seen any changes in your credit reports, then file a complaint with the Federal Trade Commission and attach a copy of your complaint to your 5th dispute letter. In the 5th letter you will inform the credit bureaus that you will file a complaint with the office of the Attorney General.
Step six – Still no changes to your credit reports, then file a complaint with the office of the Attorney General and attach the complaint to your 6th dispute letter. This time in this letter you will inform the credit bureaus that you will file a complaint with their state Senators office. Attach your complaint to the Attorney Generals office with your 6th letter.
Step seven – Still no changes to your credit reports, then write the credit bureaus and inform them that if the errors on your credit reports is not fixed within 30 days, then you have no other choice but to seek legal advice.
Step eight – Still no changes to your credit reports, then send a letter to the credit bureaus threatening to sue for failing to properly investigate the errors on your credit report according to the THE FAIR CREDIT REPORTING ACT.
Step nine – Still no changes to your credit reports, then sue the credit bureaus in small claims court. Seek the advice of an attorney or contact the courts for the proper procedures on filing. Once you have filed your complaint, send a copy of your complaint along with a letter informing the credit bureaus that you are suing them and that they have 15 days to respond and correct the problem on your credit report.
Step 10 – Still no changes to your credit reports, and the credit bureaus has not responded to your letters, then proceed with the suit in small claims court.
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