Experian Dispute
Experian Credit Bureau Dispute Letter Mailing Address
475 Anton Blvd.
Costa Mesa, CA 92626
Dispute Experian Online:
www.experian.com/disputes/
**You must have a recent copy of your Experian Credit Report to dispute online.
Dispute Experian by Phone:
1-888-322-5583 or 1-800-493-1058
**You must have a recent copy of your Experian Credit Report to dispute online.
Disputing by regular mail is most effective since it creates a trackable "paper trail."
Click Here for a *FREE* Credit Bureau Dispute Letter.
Experian has approximately 30 days to investigate your dispute. Experian must provide you with the results of the dispute, i.e. "Deleted," "New Information," "Updated." Exerian will normally send you an updated copy of your credit report which contains any changes made because of your dispute.
How to Screw Up Your Credit Dispute
Filing a frivolous dispute, disputing too many items, challenging an item for the wrong reason, disputing too often, are some of the ways you can botch up a credit dispute.
These types of mistakes often delay credit correction and may even result in a "Red Flag" being placed on your file.
Here is an example of a "Stall-Letter" which is the result of a botched dispute:
How Experian May Respond to Your Dispute
- Deleted - this is the best result if you are trying to remove bad credit such as charge offs, collections and late payments.
- Updated - Experian may change information associated with a bad credit item such as balance owed, date of most recent activity, etc. An updated outcome will only help you if Experian mitigates a delinquency. For instance, recently Experian updated a consumer's student loan information from "30 days late" to read "pays as agreed." An outcome like this is somewhat rare.
- Remains - this is the worst possible outcome because it means that the damaging item[s] still remains on your file despite the investigation. Even worse is that Experian may ignore any future disputes directed at that same information.
What a successful Experian dispute letter looks like -
(submitted by a client of The Lexington Law Firm)
"I just want to share with you my story about how my credit situation. If you
are someone struggling with bad credit, then I was walking in your exact same shoes...
And today - if you look behind me - this is the house that I bought.
So, obviously my credit situation has changed.
Basically, while I was
in college I ran up my credit cards and acquired a lot of unmanageable debt which destroyed
my credit rating.
About a-year-and-a-half ago when I went to try to buy a house, the banks
laughed at me and made me feel bad about what happened in college. (They basically implied that I was a deadbeat SCUMBAG even though it really wasn't all my fault).
I knew that I had to fix my credit, but didn't know how to do it
myself so I went to Lexington Law.
Now, literally within several months, I was able to purchase a $300,000 new home without any trouble at all obtaining a mortgage.
So intead of going into banks with bad credit and being looked at
as a scumbag, the banks were more than willing to help.
In fact, when I applied for my mortgage and the banker ran my credit, he came back and was saying...
"Wow! Sure thing sir. We'd love to help you out."
Lexington Law literally changed my life.
I went from being the person who has bad credit to being the person
who is living in what I consider my dream home at age 29.
Some examples of the things that were on my report that are now gone were:
sorts of
charge offs, collections, and I even had judgments listed against me (which I heard is one of the worst things you can have on your credit.)
I had basically every kind of negative listing shy of a bankruptcy.
Lexington Law has raised my credit score at least 237 points.
I just checked my FICO score which is now a 737. When I started with Lexington Law, it was below 500!"
I encourage anyone struggling with bad credit to pick up the phone and give Lexington Law a call.
It was super-encouraging to see my credit score improve each month as the negative items were deleted from my credit reports. I thought some of the bad credit was permanent since creditors misled me into believing that delinquent information would stay on my credit report for the next seven years.
However, through their dispute process and "goodwill interventions," Lexington Law proved it is possible to remove any questionable negative item. (it is the same as pleading 'not guilty' in a court of law).
Additionally, the paralegal assigned to my case showed me other credit rebuilding techniques such as:
- How to add up to three years of positive payment history to your credit with your regular phone or utility bills (these are things I pay each month anyway so it was a real "no-brainer)
- How boost your credit score by optimizing your 'Utilization Ratio' - this involves transferring balances and there is a Right Way and Wrong Way to do this
- How Lexington Law can erase your damaging credit inquiries (applying for credit puts a small "ding" on your credit. Inquiry Investigation helps you remove these "dings")
Deleting the negative credit items like charge offs and the credit card judgment, combined with the credit rebuilding techniques, rapidly improved my credit score. In fact, in month two my score went up 74 points!
After living with bad credit for so long, it was really encouraging to see that I was making progress in the right direction.
Not only did the attorneys at Lexington Law show me results, they also provided excellent customer service along the way. If you are someone who enjoys that "personal touch", then you may like how Lexington Law assigns a paralegal to your case.
My paralegal (Stephanie) was always available to discuss the status of my case over the phone and email. Even though I didn't expect or ask for it, my attorney would also periodically give me a call to check in.
Here are some strategies Lexington Law used to delete the really stubborn bad credit - such as the credit card judgment:
- Unlimited dispute & delete
- Goodwill interventions
- Escalated information requests
- Debt validation
- Inquiry assist
You can also access you case online anytime you like. (I enjoyed logging in just to see all the deletions!)
If you are struggling with a bad credit score because of negative credit items, then I truly hope that you start repairing your credit today. I know how humiliating bad credit is and I know how easy it is just to 'sweep it under the rug' and pretend it will go away on its own.
I realize that your situation is probably a little different than mine, however, Lexington Law has already deleted questionable charge offs, a credit card judgment, late payments, collection items, and inquiries from my credit report and raised my credit score to a 737!
Here is a shot of my credit score online last month -:
To get starting repairing your credit, call Lexington Law today direct at:
1-888-585-3999 (toll-free)
www.LexingtonLaw.com
Or, if you want a Lexington Law paralegal to call you, click here.
