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Credit Report Dispute Form

3-Bureau Credit Report Information

The 3-bureau report includes your complete information from all 3 US credit bureaus Equifax Credit Bureau, Experian Credit Bureau, & Trans Union Credit Bureau. A single-bureau credit report contains your information on file at one of those 3 credit bureaus. Although many national lending institutions report consumer credit information to all three, smaller banks and other credit grantors may report to only one-or even none. Therefore, your credit report from one credit bureau is not necessarily exactly the same as your credit report from another.

Credit Bureau Report Dispute Information

To dispute inaccurate information on your Equifax Credit Bureau Report, Experian Credit Bureau Report, or Trans Union Credit Bureau Report, write to the credit bureau that supplied the information. In your letter be sure to include:

• Your full name, first, middle and last and including any applicable suffixes (Jr., Sr., II, etc.)
• Your complete mailing address
• Your date of birth
• Your Social Security number (this is necessary to access your credit report)
• The name and account number of the creditor and item in question
• The specific reason for your disagreement with the disputed item
• Your signature

For dispute assistance please contact:

• Equifax Credit Bureau
  Mail P.O. Box 740256, Atlanta, GA 30374-0256
  Phone 1 (866) 804-5630
• TransUnion Credit Bureau
  Mail Trans Union Customer Relations, P.O. Box 34012 Fullerton, CA 92834
  Fax the dispute request to 1 (714) 447-603
• Experian Credit Bureau
  P.O. Box 949, Allen, TX 75002-0949
  Or call toll-free (888) Experian (888-397-3742)

What happens when I dispute information?

When you question information on your personal credit report and tell the credit bureau specifically why you believe the information is inaccurate or incomplete, the credit bureau will contact the source of the information directly by telephone, letter or through an automated verification system. The credit bureau will ask the source to check their records to verify all of the information regarding the item you questioned, and report back within 30 days of the date that the credit bureau received your request (21 days for Maine residents). Once the credit bureau receives their response, the credit bureau send you the results of the investigation. If the credit bureaus do not receive a response within 30 days (21 days for Maine residents), the credit bureau will update the item as you have requested or delete the information, and send you the results. When the credit bureau complete their investigation process, which may take up to 30 days, they'll send you the results.

CREDIT BUREAU REPORT DISPUTE FORM

If you feel there are inaccuracies in your report, you should write directly to the credit bureau Experian Credit Bureau, TransUnion Credit Bureau or Equifax Credit Bureau that supplied the information. First, fill out the top part of this form. Then print the creditor name and account number of the item in question in the Creditor column. Also, print the specific reason for your disagreement in the Dispute column. If you have additional information that you believe supports your dispute, include it in the comments column. Finally, sign the sheet in the space marked Signature and mail the entire form to the appropriate credit bureau. We also recommend writing directly to the creditor (bank, department store or other lender) detailing the error and the corrective actions you have taken.

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First Name________________ Middle___ Last________________________ Jr.____Sr._____

Address____________________________________________________________________

City/State/Zip _______________________________________________________________

Social Security Number (necessary to access your credit reports) _______________________

Signature___________________________________________________________________

CREDITOR	DISPUTE	COMMENTS

Equifax Credit Bureau

Equifax Credit Bureau has been providing value-added information solutions to businesses and consumers for over 104 years. Today, Equifax is a global service provider with over $1.1 billion in annual revenue and 4800 employees in 12 countries. From first opening its doors in 1899 to ranking fifth on Business Week's Best Performers 2001, Equifax credit bureau has a rich heritage and a distinguished track record of market leadership. The road to success has been paved by maintaining a strong focus on strategic growth, product development, and technology innovation to deliver powerful solutions to our customers. Equifax credit bureau(NYSE:EFX), a 104-year-old S&P 500 company, enables and secures global commerce through its information management, marketing services, direct to consumer, commercial and authentication businesses. As a leader in information technology, Equifax credit bureau serves customers across a wide range of industries including the financial services, retail, healthcare, telecommunications/utilities, brokerage, insurance and government industries. Equifax credit bureau also enlightens, enables and empowers consumers to manage and protect their financial health with services offered at www.equifax.com. The company was in the top five in return on equity among Business Week's Best Performers for 2001. Equifax credit bureau employs 4,800 in 12 countries and has $1.1 billion in revenue.

Experian Credit Bureau

Experian credit bureau is an information solutions company. Experian credit bureau help organizations use information to reach new customers and to build, nurture and maximize lasting customer relationships. Experian credit bureau have built their business on the simple premise that commercial success is about getting closer to customers. The more an organization understands its customers, the more able it is to respond to their very individual needs and circumstances. This is the approach that Experian credit bureau adopt in their own client relationships. It is also the underlying motivation behind everything Experian credit bureau do as a company. The knowledge of the Experian credit bureau lies in the great wealth of information that they maintain about consumers and how they behave, about businesses and how they perform, and about markets and how they are changing. Experian credit bureau expertise lies in the skills they have developed to look at information in new ways and to apply it to every aspect of the customer relationship. Creativity, Experian credit bureau is reflected in the way that they support their clients, developing information solutions that bring them ever closer to their customers.