Removing Credit Report Errors
If you see an error on your report, chances are it will be in all three credit bureaus' files. You will need to contact all three bureaus; Equifax, Trans Union, Experian and you will need to have a copy of all three reports or a 3 in 1 credit report, to give them the account numbers from the report.
Write to them and include your name, social security, the account number/name in question which appears on the credit report itself, and tell them you are disputing the item. Some bureaus allow you to start the dispute online or over the phone.
They have 30 days to verify the information, request more information or remove it.
If it comes back verified and you still feel you are not responsible, you will need to take it up with the creditor and/or the credit collection agency.
| Quick Credit FAQ |
| Up to 60% of people who check their free credit report find errors. |
| Credit Professionals recommend a credit check at least 2x yearly. |
| You may obtain a free credit check if you've been denied credit in the last 60 days or once annually. |
| There are 3 credit bureaus which collect information from major creditors. Equifax, TransUnion, Experian. |
| Your credit report lists all the accounts and payment history for the last two years; liens and judgements for 7 years; bankruptcy 10 years. |
| From your information a credit score is calculated. Credit Scores range from about 400-820. A score of 700 or above is very good. |
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