My Credit Report Is Wrong - Now What?

There are 5 steps you need to take if you discover5. Write a letter including you name and address
that some of the information on your credit report is6. Identify every single item you're disputing on your
wrong, and you need to take these steps as oon asreport
you possibly can.7. Explain clearly why you are disputing this information
First off you should be aware that the lending agency8. Request in writing that you need this information to
who submitted the information is ultimately responsiblebe deleted or corrected
for correcting it but it's your responsibility to bring it to9. Include a copy (not the original) of your credit report
the attention of the credit reporting agency, so they10. Circle the items that you are disputing, for clarity,
can notify the lender that corrections need to beand expediting purposes
made.Now send the copied documents along with the letter
1. If you see inaccurate information on your credit(by way of certified mail, with a return "receipt
report you shouldrequested") to the CRA that reported the
2. Gather all the documents you have, that you feelmisinformation.
proves the reported information is wrong.When you receive the return receipt make a note of
3. Double check the information that you have againstthe effective date on it, as the CRA is required to
that of the credit reportinvestigate what you are questioning, and will usually
4. Make copies of all relevant pages, and highlight thetake care of the request within a 30 day time-frame.
information which is pertinent to the matter