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| *Loan,banking and credit>>>credit report |
When sending dispute letters to credit bureau, should I also send a copy of my current credit report? |
If so, do I have to send them a copy of the entire thing or just the front page and the page that pertains to the dispute? I suggest not to send them anything.... If your send a dispute letter to the credit bureau (Equifax, Experian or Trans Union) then you don't need to as they have that information already. If it is to a collections agency.... first they might not be a collections agency and your handing over information to them, if they are a collections department then I would at most (and I wouldn't even do this) is to send them a copy of your report with everything but the last 4 to 6 digits of their account and only allow them to see that information (black out everything else) they don't need to know your other accounts or anything pertaining to that. If they are a collections dept. then they probably have pulled your credit anyways.......... So I would say, just send them the dispute letter with a return receipt (where they have to sign for it and you get the card back saying they have received it.) and that is all I would send. Hope this helps and good luck..... As long as you are referencing the pertinent information on your report you do not need to send a copy. I recommend you send the copy signature required, this insures that they received the information AND that no one intercepts the mail that has everything they need for identity theft. Most have forms you can pull right off the site I wouldnt send them a damn thing other then your dispute. Ive actually had people do this. And trans union is looking at the credit report you sent them saying okay why isnt equafax or experien not reporting this? So they send them the info and now the others report it. They call them and send them the information. They know what is on their credit report, why would you give them additional information about other agencies? To make it simple, No, No, No. 30 years mortgage real estate exp. No, just reference the creditors/collectors name and the account number then state your reasons for the dispute. No, they have access to it should they wish to view it! |
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