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How to Dispute Errors on Your Credit Report
Sometimes entries get made on a credit report that are incorrect. This can be due to identity theft, data entry errors and other innocent mistakes. If you find inaccurate information on your credit report, whether it is positive or negative, it is important to dispute the inaccuracy right away. Handling a problem when it first starts will keep it from becoming a huge fiasco down the line. Use the following checklist to help you dispute incorrect entries on your credit report.
Request a Copy of Your Credit Report
Request a copy of your credit report from each of the three major credit reporting agencies; TransUnion, Experian and Equifax. You are entitled to one free credit report from each of these bureaus each year. The information that is reported can vary from agency to agency, so it's important to check all three.
Determine the Problem
Find out where the discrepancies lie, and why the information was reported on your credit file. This can take some research and may take a few phone calls, emails or letters. However, you can't fix the problem until you find the source of the issue.
File a Dispute
Dispute the inaccuracy with the credit reporting agency, if the responsible organization can't or won't remove the entry from your credit report. You can do this by filing a dispute either online or via mail.
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