Vivix Credit Solutions How to Dispute Information on your Credit Report

Nothing contains more important financial information about you than your credit report, so it is vital that you check it for accuracy once every year.  The report is free to you, and your professional Vivix Credit Solutions representative will be glad to assist you.  But, what do you do if you find information on the report that is inaccurate?  Again, your Vivix Credit Solutions representative is your solution to credit problems.  They can help you through the difficult process of contacting the correct consumer reporting company and providing them with the information that is required.  The process to be followed is explained below.

Reading a credit report may be complicated, so it is a good idea to ask a Vivix Credit Solutions representative to help you decipher it.  When incorrect information is found, you will need to put down in writing exactly what item you are disputing.  Include copies of all supporting documents that you can, but don’t send the originals; you may be asked for more copies later.  Included in this package should be a copy of the credit report and it should be sent via a national delivery service that requires a signature for receipt, or as certified mail through the U.S. Mail.

The consumer reporting company in question will forward copies of the dispute to the information provider and usually complete the investigation within 30 days, provided that they do not deem the dispute frivolous.  By sending in all of the documentation listed above as suggested by Vivix Credit Solutions, there is little chance that they will deem your claim frivolous.  Upon receipt of the dispute, the information provider will also begin an investigation of where and how the information was gathered and reported, and they are then required to return their findings back to the consumer reporting company, which Vivix Credit Solutions can confirm.

If upon completion of the investigation, it is determined that the disputed item is indeed inaccurate, the information provider is required to notify each of the three consumer reporting companies in order for them to correct the information they have about you.  Then, the consumer reporting company that you originally contacted about the error must send you, in writing, the results of the investigation.  If it was determined to be an error, a free copy of the corrected credit report will also be sent to you.  It is also a requirement that the consumer reporting company includes in your written notice the name, address and phone number of the information provider.  It is easy to see why having credit experts like Vivix Credit Solutions help you sort through all of the details involved in disputing negative credit reports

If the disputed information on your credit report is proven to be true, only the passage of time can remove it from your record.  A company is allowed to report most negative credit information for seven years and bankruptcy information for ten years.  But there are even options for those situations and Vivix Credit Solutions will be happy to go over them with you. To get your free special report: “The TRUTH About Legal Credit Repair & Your Credit Report” as well as a free consultation with a credit repair expert.