Correcting Errors & Omissions Review your credit report for accuracy and report any mistakes or omissions right away. This could include information listed for longer than it’s supposed to be, like a judgment still being listed after seven years. Here’s how to dispute errors: 1. Contact the credit bureau. Write them a letter and include copies (not originals) of any supporting documents, like receipts or statements. 2. Contact the creditor. Tell the information provider that you’ve contacted the bureau already. Again, come prepared with copies of supporting documents. 3. Double-check your report. Order updated credit reports periodically to be sure.
Here’s how to contact each bureau:
Consumer Dispute Center PO Box 2000 Chester, PA 19016 dispute.transunion.com/ dp/dispute/landingPage.jsp
PO Box 4500 Allen, TX 75013
PO Box 740256 Atlanta, GA 30374 www.equifax.com/ personal/disputes/
www.experian.com/ disputes/main.html
Chapter 4: How to improve your credit score
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