Posts Tagged "dispute process"

Disputing charges on credit card account

Dear Experian,

Will disputing a charge on my credit card affect my credit? Can the company with which I am in dispute give me a bad credit report? My phone was shipped to me and signed for by someone else. I did not receive it. –The company refuses to send me a new one so I am disputing the charges.


Disputing fraud charges on compromised credit card account

Dear Experian,

We got our credit card information stolen when they hacked into a major retailer’s system. The fraud charges caused our credit card balance to go over the limit. Experian is now reporting that we were over the limit on our account. Why? It was clearly not our fault, but when our credit report is viewed it reflects negatively on us.


How disputed information is updated with other credit reporting agencies

Dear Experian,

If one credit agency deletes a record because my dispute was favorable; how does that get reported to the other agencies, or does it? Do I send a copy of the result of investigation to the others so they can remove the unfavorable item?


Removing ex-spouse’s address from your credit report

Dear Experian,

I had you remove my ex-wife’s address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed.


Deleting accounts because of permanent disability

Dear Experian,

I was put on permanent disability between 2009 and 2010. I remember reading on some of my credit contracts that they would be dissolved in case of permanent disability. How can I go about having them removed from my report?


It’s free to dispute information

Dear Experian,

We want to fix our credit report, but when we called Experian we were told that we would have to pay money for it. Why do you say on your website that it is free to fix credit reports?


Accounts deleted after dispute could be returned to your credit report

Dear Experian,

I disputed an account and it was deleted because the lender didn’t respond in time. I just got a letter saying they are putting the account back on my report. Can they do that?


How to dispute information in your credit report

Dear Experian,

How do you dispute something on your credit report?


Items deleted through dispute should be deleted from all credit reports

Dear Experian,

I disputed items on my credit report to Experian, and they were deleted. Will the items be deleted from my reports with the other two agencies as well?


Disputing information you believe is inaccurate is a free service

Dear Experian,

Why do I have to pay to file a dispute?


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