Disputing Inaccurate Credit Report Information

Image of credit report sign

Your credit report contains all the detailed information pertaining to your credit history. Creditors and lenders use the material on this report to determine how risky it would be to lend you money or extend you credit; your credit score. What if your report contains an error that is affecting your score and, ultimately, your ability to obtain financing?

As many as 42 Million Americans Have Credit Report Errors! Do you?

Your credit report lists more than just whether or not you've paid your bills on time and to whom. There is a wide array of information on your credit report including, but not limited to where you live, if you've been arrested, if you've been sued, and if you've filed for bankruptcy. There is so much and so many types of information on your report that it's very easy for mistakes to happen somewhere along the way. These errors can directly affect your ability to apply for new credit or loans, and how much you will have to pay to borrow money. You should be spot-checking your credit report annually when you are able to obtain your free credit report, but it's most important to review your report before making large purchases like a new car or home. Erroneous information could also be a strong warning sign for identity theft so it is imperative that you are diligent with reviewing your report.

Get Your Credit Report

The very first step in finding inaccurate information on your credit reports is to view all three of them. Creditors often do not subscribe to all three credit bureaus, so it is important to obtain all of the information that is reported by each agency. Your free annual credit report should provide you with all of the information that you need. Each of the three bureaus participates in and supports the information available from freecreditreport.com. Reports from all three bureaus will be on that report. It should not be necessary to request your credit report from the individual bureaus, but their contact information is listed below for your convenience.

Provides consumers with one free credit report per year.
Phone: (877) 322-8228
Website: www.Annualcreditreport.com

Equifax Credit Information Services
PO Box 740241
Atlanta, GA 30374-0241
Phone: (800) 685-1111
Website: www.equifax.com

PO Box 2002
Allen, TX 75013
Phone: (888) 397-3742
Website: www.experian.com

Trans Union
PO Box 2000
Chester, PA 19022
Phone: (800) 888-4213
Website: www.transunion.com