How to Dispute Equifax by Mail

Learn how to dispute Equifax by Mail. If you've noticed some questionable items on your Equifax credit report, you'll want to take immediate action to dispute Equifax by mail. A credit score is a quick and general way to show potential people how you use your money. Lenders, landlords, employers, or anyone who is risking money or assets on you use your report to show what kind of borrower you are. Your credit score is a quick assessment of what kind of risk you bring to the company. Your credit also tells these people if you have filed bankruptcy, been sued, or arrested. Keep a close eye on your credit report. Having bad credit can ruin your life. It will prevent you from getting a house/apartment, a credit card, a car, a job, and more. If you are not careful, incorrect items can get added to your reports. These incorrect items hurt your credit score significantly. Luckily, you can dispute incorrect items off of your report.

There are a few ways to dispute questionable items from your report. Mail, phone, or online are the most common methods. There are pros and cons to each method.

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A written dispute mailed is a better option because it gives you more of an opportunity to freehand your dispute and logic behind why you’re challenging the item. Says credit expert John Ulzheimer, formerly of FICO and Equifax.

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Get a New Report

The first step to disputing Equifax by mail is to get a new report. A current report is important, so you don't dispute items that have already been removed. If any information contained in your credit file, including public record information, is incomplete or inaccurate you can notify Equifax. Your items in question will be investigated free of charge. They will either update the current status of the disputed information, verify that the item is reporting accurately, or delete the item from your file.

Writing a Dispute Letter

A properly written dispute letter can be one of the most valuable assets for repairing your credit. Your dispute letter should follow professional letter writing guidelines. Make sure to include the questionable items you want to dispute. Don't worry about not having a computer or method of printing because handwritten letters are less likely to be thrown out with spam. When credit bureaus get hand written letters, they know they are working with an individual working on their credit. Typewritten letters are still okay.

When writing a dispute letter, you should include your full name, your address, your email address, and phone number. Because your name could be the same as many people, you should include your social security number so the credit bureaus can connect with your credit report. You should also write the company's address and name.

Now for the actual body of the letter. Any business salutation is fine, for example, “To whom it may concern.”

Be clear about the items you want to be investigated. If there are multiple items in question, list them out separately. Conclude the letter with a clear call to action. For example, "please investigate these items and remove them as soon as possible." To close the letter you can end with a sign off like “sincerely” or “thank you.”

Be careful not to copy a sample letter too closely. Using an unconventional font makes your letter stand out. These tricks can save your letter from being thrown out with the spam.

What to Expect From Equifax

After filing a dispute, Equifax will notify you with the results of your investigation and how your report changed. Equifax will contact you based on the method you contacted them. If you are disputing by mail, they will likely contact you with a letter.

Alternative ways to fix your Credit

Fixing your credit does not have to be difficult, following this guide will make it convenient and easy. If going through the work and time to dispute your credit yourself seems too much work or stress, hiring a credit repair company is a great way to fix your credit.

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