Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report
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To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you
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How to fix errors in Credit Report.
Your Credit Report should include information about how to go about rectifying mistakes. Each Credit Report agency is different, though, so follow their instructions.
Sometimes a simple phone call will suffice. You'll have to prove your claim by providing documentation. If additional information is necessary, you'll be told what to send. You might need to provide canceled checks, for example, or other payment information. But never send original documents. Send copies, and make copies of all your correspondence with the Credit bureau in question. When communicating by phone, make sure you write down the name of the person with whom you speak, the day and time of your conversation, and - if possible - their direct phone number. Good credit records are invaluable.
If no error is found in Credit Report but you still believe the information in your credit file is erroneous, you have the right to contact the creditor directly to try to straighten out the problem. If you are successful, make sure the creditor sends a correction to the other Credit Report agencies. Even if you can't persuade the creditor to see the light, you are allowed to have your side of the credit story inserted into the Credit Report. If you never received the merchandise or if you didn't get a bill, you can explain that in up to a 100-word statement. The disputed item will still show up in your credit record, but at least your version will be there, too.
Finally, if you can prove there is an error in your credit record, some lenders will agree to turn off the computer and underwrite your application manually.
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Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions
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