HOW TO CORRECT CREDIT REPORT ERRORS
Credit Reporting Agencies strive for accuracy, however mistakes do happen. You will receive a dispute form with your credit report. Inaccurate information from your credit report should be entered on this form and returned to the Credit Reporting Agency.
When the agency receives the dispute form they must investigate your claim in a reasonable time. If they are unable to verify that the item is yours, they must delete it from your credit record. If they find that an item is inaccurate, they must show the accurate record. The agency must send a notice of correction to any report recipient who has checked your credit file in the past 6 months.
If reinvestigation does not resolve your dispute, The Fair Credit Reporting Act permits you to file a statement of up to 100 words to explain your side of the story. The agency must include this explanation in your report each time it is sent out.
If you have any questions about your credit reports, contact one of our Certified Credit Counselors at (800) 729-0551 for a free consultation.