Credit Secrets & Tips

Upon receipt of your dispute letter, the credit bureau first reviews and considers the relevant information you have submitted regarding to the nature of your dispute.

If the review doesn’t resolve your dispute and further investigation is required, notification of your dispute is provided to the creditor, including the relevant information you submitted.  The creditor reviews the information provided, conducts an investigation and reports the result back to the credit bureau.

The credit bureau then makes deletions, or changes to your credit file based on the creditor’s investigation result.  The name, address, and the telephone number of the creditor is shown under the result section on the cover letter that comes with the copy of your revised credit file.

If you still disagree with an item after it has been verified, you may send second or third dispute letter with additional documents to support your dispute.

You may also send a 100 words brief statement, explaining the nature of your dispute.  Your statement will become part of your credit file and will be disclosed each time that your credit file is reviewed.

You have the right to request that the credit bureau sends your revised credit file to any company that received your credit file in the past 6 months for any purpose or in the past 2 years for employment purpose.

Remember, the credit bureau is not necessary to do so unless you ask!