This is another post from SMM’s very early days, before any of you guys found me, but I thought this would be helpful after the two previous articles posted, as credit repair is a sort of process if you will. :D

This is a handy little guide to help you through the process of disputing things on your Experian credit report online. Did you read my insider tip on Monday? This is a golden article for you today….read on:

To Dispute Online with Experian
You’ll need the report number from the paper report you recieved in the mail after following these steps.

Under the “Have a credit report with a report number?” heading in bold, there is a link that says click here to request a dispute online .There are four pieces of information you need to enter:

Your Report Number
Your State
Your Social Security Number
Your Zip Code
(If you’ve just moved within 60 days, enter you’re previous zip code just in case).

Then you’ll check the box that says have agreed to the terms and conditions.
Then check the box that says to certify you are disputing your own information.
Then check the option to understand the criminal mumbo jumbo.
Then click Submit.

Now, a few things you need to know before you finish, you can dispute anything that is inaccurate. ANYTHING. So if the spelling of your name is wrong, or your address on the file is off by a digit, or your phone number is wrong, even if your social security number is a digit off, dispute it. There are some things you may only be able to dispute by mail, but do it. It’s worth it - this controls your life, your credit is pulled when you apply for a job, satellite services, or a credit card, it’s all the same these days.

Next you’ll see a report summary.

You’ll be given a link to write down at the top of the page if you want to return to your credit report where you’ll then select “View Your Report” , for your convenience, all the links you’ll need for this are here.

This is the list of items in the summary of your credit report:

    Potentially negative items. Next to that you’ll see “click here” for instructions on how to dispute potentially inaccurate information. (click for instructions)
    Accounts in good standing.
    Recent requests (inquiries) for your credit history.
    Personal Information.
    Important message from Experian.

    Contact link    .
    Consumer rights link.

For our disputing purposes today click on: Potentially negative items

Find the particular item you would like to dispute and click on the heading.

You’ll get a summary of that particular file, and an orange button that says “Dispute this item”, click on that.
You’ll see the heading that says “I believe that this item is inaccurate because…”
and a drop down menu box with pre-chosen reasons or you can list a different reason

Options:

    -Payment Never Late
    -No knowledge of account
    -Account Paid in Full
    -Account Closed
    -Unauthorized charges
    -Belongs to ex-spouse
    -Balance Incorrect
    -Included in bankruptcy
    -Belongs to primary account holder
    -Corporate Account
    -’Associated With’ Name Incorrect
    -Other Reason
    -Delete your Statement

Below the menu box is a dialogue box where you enter important details pertaining to your dispute. Once you’re finished with that you’ll click “submit your dispute”.

Click “Yes, Submit my dispute”.

Enter your email address if you want to be notified when the dispute is resolved.

Then click “Yes”.

You’ll be back to the page listing “Potentially Negative Items”.

What you disputed will have an exclamation point above it that states beside it “This item is currently being investigated”.

Then repeat as often as you need to if there are other things on your report you want to dispute.

Come back tomorrow for more!