| What do you do if you discover entries in your credit | | | | you opt for certified mail so that you have the proof of |
| rating report that don't belong to you? Needless to say | | | | delivery. On the other hand, if you call them, you will |
| regardless of their ownership, they will create an | | | | have to furbish information that will help in identity |
| impact on your credit score and you will have to make | | | | verification like your credit card number, birth date, |
| sure that you take concrete steps to ensure that such | | | | name, social security number, driver's license number |
| entries are deleted from your credit rating records at | | | | and address. |
| the earliest. According to the Fair Credit Reporting Act | | | | Alternatively, if you choose to go for an online dispute, |
| the responsibility of ensuring the elimination of | | | | you will simply have to click next to entry that you are |
| erroneous records lies with both the credit agency and | | | | disputing to identify the reasons for it. Normally, you will |
| the creditor. So here is ho you go about it. | | | | receive a message stating that the credit bureau is |
| To begin with ensure that you get regular credit rating | | | | working to get the information for you. If you are |
| reports from all the three credit reporting agencies | | | | disputing an entry through mail make sure that you |
| (Equifax, Experian and TransUnion) Because not all | | | | include all the relevant information including personal |
| lenders will check the reports of all three agencies | | | | verification details in your letter. |
| neither can you be sure that only one will be checked | | | | Ideally you should check your credit rating at least |
| so its best to be aware of what the lender is likely to | | | | every three months to avoid issues with your credit |
| discover in all the three credit score reports. | | | | score. Once your dispute has been received by the |
| One you discover an anomaly in your credit rating | | | | credit bureau they will get in touch with the creditor |
| records there are three ways in which you could | | | | requesting a proof of the fact that the debt indeed |
| dispute it; you could call the credit bureaus or you could | | | | belongs to you within thirty days and if such proof |
| file an online dispute or you could mail your dispute in. | | | | cannot be furbished the entry will be deleted from your |
| Calling and online applications will of course be the | | | | credit rating records. |
| fastest however if you intend to use mail, ensure that | | | | |