You can dispute inaccurate information. Write to the credit bureau to explain the problem. Under the FCRA, the bureau must investigate the disputed information within a "reasonable time"—usually 30 to 45 days—and report back to you. If the information can be proven to be a mistake, it will be removed from your credit file. You will be sent a corrected copy of your report.
If the creditor who provided the information can no longer verify it, the credit bureau must remove the information from your credit report.
If the bureau insists it cannot remove the information because it is accurate, you have the right to attach a written explanation about the problem to your file. Try to state your side of the problem in fewer than 100 words. All those who look at the file in the future will be given a summary of your statement.
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You can dispute inaccurate information. Write to the credit bureau to explain the problem. Under the FCRA, the bureau must investigate the disputed information within a "reasonable time"—usually 30 to 45 days—and report back to you. If the information can be proven to be a mistake, it will be removed from your credit file. You will be sent a corrected copy of your report.
If the creditor who provided the information can no longer verify it, the credit bureau must remove the information from your credit report.
If the bureau insists it cannot remove the information because it is accurate, you have the right to attach a written explanation about the problem to your file. Try to state your side of the problem in fewer than 100 words. All those who look at the file in the future will be given a summary of your statement.