4 Reasons Your Dispute to Equifax Will Fail

Here is the sad truth:

If you have an error on your credit report, it will be fixed the first time you dispute it correctly or it will never be fixed with a dispute. Why? Because almost no one will investigate your dispute, you will get the same result. 

If your dispute fails, you may be entitled to force them to correct the problem, pay your attorney and you damages under the Fair Credit Reporting Act.

Problem #1: Equifax Is Accurately Reporting 

The report must be inaccurate, incomplete or misleading. This is the first step to winning a dispute with Equifax and/or the other credit reporting agencies if the same error is on those reports. It must be incomplete or misleading.

Problem: I see many people fight information that they know is correct thinking it will be removed. It will not. Worse yet, I see people paying "credit repair companies" to dispute correct information. What a waste of money! Businesses only remove information they find to be incorrect where they can be sued. Period.

Problem #2: You Don't Explain What's Wrong and Why in Your Dispute to Equifax

This is the second step to disputing Equifax. What you say is here important!

Best Practices: Write down what is going on and what is incorrect. Spell it out in your own words. Just remember to tell the complete story so that whoever reads it will know exactly what you know. Include any bills, checks, documents, or other evidence that helps you. Include other people or places for them to ask or look that helps you prove you are correct.

Problem: Most people only dispute to the business or creditor that provides the information to Equifax. This is a mistake. You should dispute to Equifax if they are reporting wrong info on you.

Problem: Many people try to dispute online. This is a huge mistake. The best way to dispute Equifax is to do it in writing and send it certified return receipt.

Problem #3: No Record of the Online Dispute to Equifax

This is the third step is to mail the dispute to Equifax. Online disputes to Equifax make it harder for you to bring a case in the future. You don't want that. It's not that online disputes can't work, but these types of disputes are not ideal.

Problem: If they don't fix the errors, you will need proof that you sent the dispute to Equifax. You don't always get that with online disputes to Equifax. Your attorney will also be for willing to bring your case if you have proof of the Equifax dispute.

Problem: You don't get to provide all THE DETAILS YOU MUST INCLUDE to be successful. This requires you to write one or two or 100 sentences to fully describe what you are disputing.

Solution: Just describe exactly what is wrong in your dispute to Equifax and the other credit bureaus, if needed. Then, describe why it is wrong. Plus, show Equifax the documents that you may have. Give them your phone number to call you, as well.

Problem #4: You Stop After The Dispute Fails

Many online disputes with Equifax or written disputes will fail and will require an attorney to force Equifax to correct errors. That is what we do here. In just a few minutes on the phone, we can explain your rights and your next steps.

Let's see if we are a good fit.

Call 770-775-0938

or email joseph@jacksonlaws.com

"Enforce Your Credit Reporting Rights. Demand Errors to Be Fixed"

​Joseph McClelland, Esq.