Getting a dispute off your credit report

I can tell you that getting disputed information off your credit report isn't easy. That's because the information originates with the reporting company (your creditor). Most creditors just dump their receivables on electronic media and submit them to the bureaus. So inaccurate information will be disseminated to all bureaus your creditor reports to. So yes, you have to dispute the problem at all three bureaus if they all have the bad information. Then you need to make sure the inaccuracy stays off.

According to the Better Business Bureau, expunged information can creep back into your file. Because creditors typically automatically update accounting information monthly, it is possible for incorrect information removed from a credit bureau file to reappear because of a pending creditor update. Therefore, you should re-check your credit report within 60 days to confirm that it is accurate and up-to-date.




The easiest way to get rid of bad info permanently is to get the creditor to make the correction in its files. Fix it at the source, and the changes should be reflected with every bureau your creditor reports to.