Do i send dispute letters to the credit bureau or the creditor themselves?

I am trying to fix my credit and i am a little confused, do i send the dispute letters to the credit bureau for each thing i am disputing or do i send them to the person who is trying to collect the money. Also should i send my disputes one at a time or can i send more than one. What should i expect out of this. Please help me out

Do i send dispute letters to the credit bureau or the creditor themselves?

directly to the credit bureau!!!

Do i send dispute letters to the credit bureau or the creditor themselves?

To the credit bureaus - it is their information database you are disputing. Each item should be disputed separately in writing via certified mail. Remember, you can%26#039;t successfully dispute an item just because it is negative; it has to be false or inaccurate and you have to prove why.

Do i send dispute letters to the credit bureau or the creditor themselves?

You didn%26#039;t indicate what the %26quot;dispute%26quot; is about.

If it%26#039;s something relatively minor, like an address,

then you should contact the creditor,

who will inform the credit bureau.

But, some of the bureaus keep all such information

for a given time period

(one of my recent free credit reports (see link, below)

showed my addresses going back 20 years!

Since I%26#039;ve moved a lot during that time period,

it actually filled one and a half pages;

and one of the addresses was misspelled badly!

Fortunately, that kind of mistake isn%26#039;t worth fixing).

If it%26#039;s about a late payment, fee, etc,

again, you should contact the creditor,

who will contact the bureaus, etc.

If, however, it%26#039;s about credit cards that you cancelled in good faith

(i.e., you have paid it in its entirety),

but it is still on the credit bureau%26#039;s records after, say, a year,

and you want it removed, then you should contact the bureau.

Note that all such bureaus (there are three major ones)

might have that information,

so you%26#039;d have to contact all of them to remove that info.

If you never got a recent bill,

and are being charged late fees in your current bill,

then contact the creditor,

who will then - - well, you know!

I can%26#039;t be more specific without more info.

Next time, be as specific as possible

without giving out any personal information

(and, yes, it can be done!).