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Credit Report Dispute: How long does it take to remove?

Credit Report Disputes can take up to 60 days to remove. The 3 credit Bureaus don't make it easy to get items removed. Make sure after you have got your Free Credit Score Report and reviewed what is not correct you only dispute once. Every time you dispute an item the dispute gets put back into the 30 to 60 day window again. I am sure you have heard to send in your disputes via certified mail, but I personal have done it on-line for clients. We get the result done actually quicker, and no mail cost involved. Let's assume you don't have internet access for some reason then you must send your dispute to the bureaus via mail.
Here are addresses for disputing and phone numbers:

Equifax
P.O. Box 740256
Alanta, GA 30374
(800) 797-7033

Experian
NCAC
P.O. Box 9595
Allen, TX 75013
(800) 583-4080

Trans Union
P.O. Box 2000
Chester, PA 19022-2000
(800) 916-8800

Once you have pulled your Free Credit Score Report, determine which bureaus are reporting information about you that is incorrect. There are many cases where only one or two Bureaus are reporting something incorrectly. Then all you have to dispute is to those one or two Bureaus. Maybe you have filed Bankruptcy and it was a Chapter 13, well this particular bankruptcy should only report for 7 years from file date. Typically Equifax is the culprit that does not remove public records like this. A chapter 7 reports to the C.R.A.'s for 10 yrs. This bankruptcy typically is not removed like it should be either. This is just examples of how items may not drop off when they should. So make sure you stay on top of your Credit Report, because no one will manage your personal credit report like you will.

The conclusion to all of this, disputes usually take 30 to 60 days. Most of the Bureaus for some reason keep reporting after the expiration date. Or maybe you are a junior, and your Fathers bad credit is reporting on your report. What ever the case is, I do know recent studies show 1 in 4 reports have incorrect information on them. Since you are dealing with software that calculates your creditworthiness, I am sure it's safe to say the software has flaws in it, just like Microsoft's software has bugs in it as well.

Article Source: http://www.freeforallarticles.com

About the Author: Mike Clover is the owner of www.my720fico.com . My720fico.com is one of the most unique on-line resources for free credit score reports, Internet identity theft software, secure credit cards, and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness.