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Jordan Ellis

Sample file: synthetic example

Disputes

Your TransUnion letter is ready to mail, and your Experian letter is with the bureau.

Open your credit report

  1. Choose4 disputes on 3 accounts, done

    • Brennick Card Bank N.A.531947****

      Mailed to Experian. Balance, past due, or monetary amounts

    • Tollmark Recovery Group300418****

      Mailed to Experian. Account dates

    • Tollmark Recovery Group300418****

      In your TransUnion letter. Account dates

    • Quillon Auto Finance200731****

      In your TransUnion letter. Balance, past due, or monetary amounts

  2. Mail1 letter, your next step

    Download and print the letter, then send it by certified mail with a return receipt.
    • Letter to TransUnion

      Disputes Tollmark Recovery Group and Quillon Auto Finance.

      Two pages, created .

      Download your letter to TransUnion

      Use the date on your mailing receipt. The 30-day clock counts from it.

      Mark the letter to TransUnion as mailed on Wed, Oct 28?

      The 30-day clock starts from Wed, Oct 28, so the bureau’s answer is due by Fri, Nov 27. The letter moves to Wait.

  3. Wait1 letter, waiting on the bureaus

    Log each answer when it arrives.

    18days left for Experian to answer

    Mailed Oct 16Due Sun, Nov 15

    30 days from the mailing date you entered. The Fair Credit Reporting Act (section 611) counts from the day the bureau receives the letter, so the legal deadline is usually a few days later.

    Letter to Experian, round 1Tracking 9407 1118 9876 5400 1234 56

    What did Experian say?

    Pick the answer the letter gives for each account; anything kept as reported goes back under Choose.

    • Brennick Card Bank N.A.531947****
    • Tollmark Recovery Group300418****
    • Brennick Card Bank N.A.531947****
    • Tollmark Recovery Group300418****

  4. Result, nothing here yet

    Removed and corrected items land here. Anything kept as reported goes back to Choose for the next round.

Metro2IQ is a self-help tool. You decide what to dispute and you mail your own letters. You can also dispute directly with each credit bureau, for free. Accurate, timely information can’t be removed from a credit report. Metro2IQ isn’t affiliated with Equifax, Experian or TransUnion.

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Sample file: synthetic example

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