A credit score below 600 may requires an Alternative Credit mortgage program. A creditor can request each credit bureau to amend the report, 2. A consumer can write each credit bureau to request a change. The details of the dispute, and supporting documentation should be included. Also, a copy of the credit report, and a drivers license are required.
Credit bureaus investigate the claim quickly.
The investigation takes 30 days. If the creditor does not respond within 30 days , the item is removed. If a trade line contains erroneous information, the error is corrected. If the investigation does not resolve a dispute, a 100 word explanation can be included on one's credit report. Anything a credit repair company does for a fee, a consumer can do for free.