Get Fixing Mistakes In Your Credit Report - Utah State University Extension - Extension Usu

If you discover errors on your credit report, gather any supporting documents and include them with a letter disputing the error. Then send it to: The credit reporting agency whose report you are disputing. The company that provided the incorrect information.

Essentially, they involve getting your credit report and systematically fixing inaccurate items that are lowering your credit score. Request Credit Report. ... Review Reports Carefully. ... Dispute Any Incorrect Information. ... Pay Bills on Time. ... Pay Off Delinquent Balances. ... Decrease Your Credit Utilization, and Pay Down Your Debt.

Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days.

Subject to the type of information, contacting the credit provider is the most efficient way to get a correction made. You can also contact any credit reporting body and request they correct your credit-related personal information.

Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report. And they have to do it for free.

If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.

Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days.

Errors on your credit report may give lenders the wrong impression. If there's an error on your credit report, a lender may turn you down for credit cards or loans. They may also charge you a higher interest rate. It may also affect your ability to rent an apartment or get a job.