How to Correct Mistakes on your Credit Report

How to Correct Mistakes on your Credit Report

Because credit scores are based on your credit record, it is very important that you get a copy or your credit report from time to time to make sure the information is accurate. If the information is not accurate(for example someone else with the same name may have their credit mixed up with yours), you should immediately take steps to have it corrected. No one can do this but you. Lenders, credit card issuers and other credit providers send regular reports about their accounts to the major credit bureaus. This is where the information on your credit report originates. There are three major credit bureaus; you should contact all three because not all credit providers report to all three. Also, if you have joint credit with your spouse(or anyone else), it is a good idea to get a report for each of you. There may be information on one that does not appear on the other. If you ask for a credit report to history, it will not affect your credit score. You can reach the credit bureaus at the following numbers. Equifax 800-685-1111 Transunion 610-690-4909 Experian(TRW) 800-682-7654 There may be a small charge to get your report from each bureau. If you find errors, follow the directions regarding disputes or errors that appears on each report. Usually you will have to write each bureau on which the error exists. It will normally take from 30 to 60-days for the bureau to correct your report.


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Dated: August 9th 2011
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