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You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the sample below. Send your letter by certified mail, return receipt requested, so you can document what the CRA received. Keep copies of your dispute letter and enclosures. CRAs must reinvestigate the items in question--usually within 30 days--unless they consider your dispute frivolous. They also must credit agency Dayton forward all relevant data you provide about the dispute to the information provider. After the information credit agency Dayton provider receives notice of a dispute from the credit agency Dayton CRA, it must investigate, review all relevant credit agency Dayton information provided by the CRA, and report the results to the CRA. official free credit report If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file. l Disputed information that cannot be verified must be deleted from your file. When the reinvestigation is complete, the CRA must credit agency Dayton give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless credit agency Dayton the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the provider. free company credit report Also, if you request, the CRA must send credit agency Dayton notices of corrections to anyone who received your report in the past six months. Job applicants can have a corrected credit agency Dayton copy of their report sent to anyone who received a copy during the past two credit agency Dayton years for employment purposes. If a reinvestigation does not resolve your dispute, credit agency Dayton ask the CRA to include your statement of the dispute in your file and in future reports. Second, in addition to writing to the CRA, tell the creditor or other information provider in writing that credit agency Dayton you dispute an item. Again, include copies (NOT originals) of documents that support your position. If the provider then reports the item to any CRA, it must include a notice of your dispute. free credit report ca In addition, if you are correct-that is, if the disputed information is not credit agency Dayton accurate-the information provider may not use it again. Accurate Negative Information When negative information in your credit agency Dayton report is accurate, only the passage of time can assure its removal.