Sure, any consumer can dispute and item on their credit at no cost. Many consumers feel the process of disputing can be difficult, ineffective and/or a waste of time. If you are going to attempt to dispute items on your credit report, it would be best to be prepared and familiarize yourself with all of the federal and state laws. It is advisable to handle any and all disputes via the mail v. online so a consumer can maintain a complete paper trail of their dispute and subsequent results.
Credit Reporting / Scoring Expert, Chris McConville is the President of Credit Education at CureMyScore.com and founder of myexpertcreditwitness.com where he works as an Expert Credit Witness in both Federal and State Court. With working in the credit and mortgage fields since 1991, he’s dedicated to sharing his knowledge to educate consumers.
