What You Need To Know About Filing a Credit Dispute Form

Posted by Wesley Scott on July 25, 2019 at 8:34 AM
Wesley Scott

credit-card-851506_1920Post-bankruptcy, one of the most important things that you will want to do is to check your credit report. There are three credit reporting bureaus you will need to go through in order to do this: Experian, Equifax, and TransUnion. Each of the bureaus generates its own individual report for each person. Doing a thorough check of your credit requires pulling reports from all three companies.

Everyone get one free credit report pull every 12 months (essentially, once a year). To do this, go to www.annualcreditreport.com. Once these reports have been pulled, you will want to look through them to ensure that everything is reporting correctly and there are no surprises.

If you happen to come across an entry on one of your reports that you believe to be inaccurate, you will want to act immediately by completing a credit report dispute form. This form is available online and is simple to complete. All that’s needed is accurate contact information for you, the name and account number of the creditor you are disputing, and the reason you believe the information reported to be incorrect. Once those steps are completed all that is left to do is sign the form and mail it off to the appropriate credit bureau-the one that has generated the erroneous credit report.

What may be some reasons that you find yourself filing a credit report dispute? It could be that there was a late payment recorded in error, the account in question is actually now closed or been paid in full, or even that there is an account listed that isn’t even yours!

Mistakes and errors happen and while it is important to keep an eye on your credit report regardless, it is even more imperative to do so post-bankruptcy. There are many things happening during a bankruptcy, a lot of ripples in the water and you will want to make sure to clear those up and to get your life back ASAP!


Filing bankruptcy with Kain & Scott, gives you access to our credit repair specialist to help you with the complicated process of improving and monitoring your credit! Visit www.kainscott.com to learn more!