While two of the most popular credit bureaus still rely heavily on phone calls and postal letters, you can get great results online with credit reporting services that use Experian. It is refreshing to know that at least one bureau has had an online setup for a long time and is giving results online. You know – dot results! If you sign up for a credit report and alert service that uses Experian to retrieve reports, you can initiate online disputes with Experian very easily. I have used this method to clean up credit reports within only a few months. Once you have your Experian report squeaky clean, you can actually print it and use it as an example once you start contacting the other two bureaus, Equifax and TransUnion, via mail. You can tell them in your letter, “My information on Experian is completely correct and true. I have attached it for your convenience. Please correct the following errors,” and list the errors in order along with the corrected information you would like on your credit report. This has worked perfectly for me and will work for you too.
Equifax and Transunion do have online disputing, but Experian has had it for the longest amount of time. I have not used online disputing at Equifax or Transunion so cannot comment on those results just yet. However, I have received letters back in the mail quite quickly from both once I sent in corrections.