Duplicate entries on your credit card can result in the lowering of your credit score, which can be very problematic. This can also lower your creditworthiness. Hence, it is important that you challenge these credit reports. Here, in this article we shall talk about some of the ways of challenging duplicate entries in your credit report.
- The first task is identification of the duplicate entries. Start by obtaining a credit report. You can get one credit report for free in a year. Hence, ask your creditor for the report. Try to find out the accidental duplicate entries. Usually the accidental entries are a result of multiple entries on the same credit. Look for these in specific.
- To rectify the false entries, you need to write a credit report dispute letter to your creditor. You need to be clear and specific about the discrepancy. You may have to wait for some time for a response.
- Collect documentation showing the duplicate entries. Make copies of them. Make sure that this information is included with in your letter.
- Make apparent the fact that you are requesting for the elimination of what you think is a duplicate entry. According to the Fair Credit Reporting Act, the agency has to investigate the dispute and accordingly respond within 3 days.
- Get in touch with the creditors directly. Tell them about the duplicate entry. A duplicate entry may just mean an accidental entry that has happened twice.
