When it comes to credit repair, there are a lot of things you can do on your own. One of the easiest things is disputing collections accounts on your credit report!  The Fair Credit Reporting Act gave consumers a voice when it comes to how and which accounts show on their credit reports.

disputing collections accounts

When is disputing collections accounts appropriate?

Sometimes a company makes a mistake on their report, whether it’s the balance, account type, or maybe just your personal information has a typo. It’s important to ensure complete accuracy on your credit report! Staying on top of your credit monitoring notifications is vital to keeping your data secure.

Other times a dispute may be warranted is if you don’t recognize an account. Even if it’s a credit card inquiry, you don’t want to risk the negative effects of having your identity stolen! Always double check accounts are removed after agreement too. You must be your own advocate!

Disputing Collections Accounts

The first step to disputing any record is contacting the reporting agency. How do you do this? Well it honestly couldn’t be easier! Each Credit Bureau has an app that allows you to start a dispute right then and there.

But before you click that “Open Dispute” button, you’ll need to make sure you have all the supporting documentation. Whether you’re disputing the balance, account status, or getting something removed, a notarized letter goes a long way.

What to include in your dispute letter

When drafting your dispute letter, be clear and direct. This should be just the facts. Detail the incorrect information, then provide corrections with any/all supporting documentation.

One of the most obvious thing that can cause delays in your dispute is failing to properly confirm your identity. Make sure your letter is notarized and include a copy of your government issued photo ID!

Is eNotarization a good idea for credit repair dispute letters?

Yes! BlueNotary uses  Biometrics to confirm the identity of all signers. This plus dual layered blockchain encryption keeps your information accurate and secure. Documents verified through remote online notarization (RON) hold the same legal weight as doing it in person. It’s just way easier and faster!

Get started with BlueNotary HERE!