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How do you correct an error in a letter of dispute sent to a credit agency?

Do not send the credit reporting agencies the same dispute letter if is has already been determined to be correct from the bureaus point of view. You must utilize a different tactic if you wish to have the disputed item corrected.FIRST of all, please understand that the credit bureaus do not work for you and could care less about your personal situation. The credit bureaus are paid by their "members". That means that the very people that are reporting negative information about you are the very people that are paying the bureaus for the benefit of reporting that information. Therefor the bureaus are gong to see thing from the creditors point of view.With the above in mind, understand that the bureaus are not on your side, therefore you cannot continue to deal with them as though they are some fair minded arbitrators, they are not.* NEVER, EVER send the bureaus a registered or certified letter, they will simply ignore it and your issue will never have a chance of being resolved.SECOND you should contact the creditor (via phone or email) that is reporting the information that you are disputing and attempt to get them to "correct" or update the information.* Depending upon the response that you get from the supplier of the disputed information, you can then attempt to utilize their response to get the bureaus to "correct" the reporting of the information in your credit file.DO NOT EVER INCLUDE A CONSUMER STATEMENT in your credit file. This only serves to put all future creditors on notice that you have had some sort of dispute with another creditor and they will adopt the position that you must be a poor credit risk and will treat you accordingly.Remember the lessons that your mother taught you. You attract more flies with honey than you do with vinegar.Never threaten the bureaus, because that will get you absolutely nothing. just quietly make your dispute and make your dispute as vague as possible. Do not be too specific because then the bureau will specifically address the issue.However, if you simply state in your dispute letter: "The information being reporting for account no. 1234-567 is incorrect. Could you please correct the if for me and send me an updated credit report. Thanks in advance.If your first attempt at correcting a disputed letter is not successful, wait about 60 days before attempting to dispute the same item.


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