Step 4: Start the Dispute Process

The Credit Dispute process is one of the most challenging parts of credit repair. This is because you are not in total control of the outcome. In this step, you will learn how to work with the credit bureaus in removing negative items from your credit report.

• To Access Dispute Process, CLICK HERE

CREDIT BUREAU'S ADDRESS

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256
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Experian
P.O. Box 4500
Allen, TX 75013
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TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000

Consumer Financial Protection Bureau (CFPB)

The CFPB regulates the credit bureaus. You can file an appeal with them when you need help and need them to override a decision or lack of action from the credit bureaus. 

• File A Complaint with the CFPB

Federal Trade Commission

If you suspect you are a victim of identity theft, you can file a claim and receive a recovery plan.

• File an Identity Theft Claim

State Attorney General

Attorney general duties include providing consumer protections from fraud, scams and dangerous products, people and situations, enforcement of judgments, and many other state government regulated issues. If your credit repair situation requires this level of escalation due to false or inaccurate information not being removed from your file, your state's attorney general would be the office you contact.

The goal in this step is to go through the process and remove as many negative items as possible. You may not remove everything and that's okay. Remove as much as feasibly possible and move on to the next steps. You don't have to remove all the negatives to build a good score.