Bureaus offer online and offline options to dispute errors in your credit report in most cases but the FTC recommends certified mail. The bureaus probably prefer online disputes as this reduces processing costs for them, but the FTC recommends certified mail probably so you have a paper trail.

We like the FTC’s recommendation, even though it’s not as web savvy. It’s imperative that you have a record of your credit dispute. Credit disputes are work, but they are easier than trying to repair your credit. Credit disputes are usually resolved in 60 days with all the turnaround time, but credit restoration can take many months, even a couple of years. To make sure you keep the window within 60 days — legally the bureaus have 30 days but back and forth adds up — a certified mail receipt is recommended when you send in your dispute letter.

Our sample dispute letter can get you started.

Post from: Video Credit Score

Should I Credit Dispute Online or Offline? – Episode #18