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Fix Credit Report Errors, Credit Report Dispute, Credit Errors
What About Credit Report Errors?
Credit Report Dispute, Errors or Incompleteness
The FCRA requires that both the reporting companies [Experian (888-397-3742), Equifax (800-525-6285) and TransUnion (800-680-7289) ] and the person, organization or company which provided them information must correct inaccurate or incomplete information in your credit report. If you find anything that needs correcting, contact both the reporting company and the one who gave them the information.
You can get the inaccurate information corrected yourself, but the process is complicated and time consuming. If you find the task intimidating or if you've tried to get inaccurate information corrected without success, you may want to check out using a company which specializes in fixing credit report errors.
Contact the Reporting Company (Experian, Equifax and TransUnion)
Contact them in writing, spelling out the information you think is wrong or incomplete. Unless they consider it a frivolous dispute,
After the investigation is complete
The reporting company must send you the results in writing.
If you are right, they must give you a free copy of your report. This report does not count as you annual free one.
If you are right, the disputed information cannot be put back into your file unless it is later found to be accurate and complete.
The reporting company must send you, in writing, the contact information (name, address and phone number) of the information provider.
The Information Provider (Person, Organization or Company)
Tell the information provider in writing that you dispute what they reported. There may be a specific address for disputes. Call them and ask.
If they report the information to a reporting company, they must tell them that you dispute it. If it is found that you are correct, they may not provide that information again.
What to Do If the Reporting Company or