Credit Card Guide
  CREDIT CARD NEWS / CREDIT CARD ADVICE
Follow Us  RSS twitter facebook You Tube Google+
 

Credit Cards > Credit Card News > Credit Score > Disputing Inaccurate Information In Your Credit Report



 
 

Disputing Inaccurate Information In Your Credit Report

 
By Eva Norlyk Smith, Ph.D.
May 22, 2009
tools
tools
email print comment
tools
SHARE

Once you get a recent copy of your credit report, check all the information in it to make sure that it is accurate. Sometimes errors occur, which might negatively affect your credit score. If you find an error, you must inform the credit reporting company in writing about it in order to have it corrected.

In your letter, give the specifics about the item(s) you are disputing and be sure to include the names of any creditors involved along with any documentation you have backing up your dispute, such as payment records or court records.

Credit reporting agencies are required by law to investigate your dispute in a timely manner, usually within 30 days. Once the agency completes its investigation, it will send you a written reply along with a free copy of your corrected credit report, if the dispute is acknowledged. You can also request that the company send a notice about the correction to anyone who has received a copy of your report in the last six months.

If the credit reporting agency does not honor your dispute, you can still require them to include a record of the dispute and the reasons for it in your credit report. In that way, you can ensure that your credit report gives a more complete picture of your credit history.


Share 
 
     

 
 

VIEW RELATED STORIES

How to Fix Mistakes on Your Credit Report - Financial experts recommend that you check your credit report at least once a year -- not only to look for signs of identity theft, but also to avoid errors that could pull down your credit score.

How To Get A Free Copy Of Your Credit Report - Because it contains critical information about your credit history, it is important to make sure that your credit report is accurate. Obtain a copy of your credit report regularly and check the information in it, particularly if you plan to apply for a new loan or credit card.

Who Can Read Your Credit Report And What Can They Do With The Information? - Whether you are applying for a mortgage, a credit card, or financing for an automobile or business, your credit history becomes important any time you want to take out a loan. Anyone who you do business with can obtain a copy of your credit report.

ALL CREDIT CARD NEWS & ADVICE ARCHIVES >>

 
     

 
 

Comments are closed.

 
     


               
Validate TRUSTe privacy certification        
Best Credit Card Offers With
Online Applications

0% APR Balance Transfer
Cash Back Cards
Low Interest Cards
Airline Miles & Travel Reward
Credit Cards

Business Credit Cards
Gas Rebate Credit Cards
Car Rebate Credit Cards
Instant Approval Cards
Establish Credit, Credit Cards
Student Credit Cards
Prepaid Cards
Rss Feeds RSS Feeds
Twitter Twitter
Facebook Facebook
You Tube YouTube
Google+ Google+
About Us
Contact Us
Editorial Team
Media Relations
Privacy
California Privacy Rights
Terms of Use
Site Map
Canada Canadian Cards
UK U.K. Credit Cards
Australia Australian Cards