What To Do About Errors On Your Credit Report - CREDIT REPORT
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CREDIT REPORT: What To Do About Errors On Your Credit Report
Consumer reporting agencies gather the information that appears on credit reports from many sources, and with so much data flowing back and forth errors may occur. Information for people with similar names or Social Security numbers can inadvertently be added to your report, or your information can be recorded incorrectly. No matter how they occur, it is important to correct errors quickly.
First, notify the consumer reporting agency in writing. The agency is then responsible for investigating and modifying or removing inaccurate data; this process may take as long as 30 days. At your request, the agency must also reissue corrected reports to lenders who received your report within the past six months, or employers who received it in the last two years.
If you are not satisfied with the correction, you have the right to add a brief statement to your credit report about the disputed data. Your statement should be used to clarify inaccuracies, not to explain reasons for delinquency.
Should you be denied credit because of information in your report, the lender is required to give you the name, address, and telephone number of the bureau that produced the report.
You then have 60 days to request a free copy of your report. The consumer reporting agency must disclose to you the information in the report, its source, and recipients over the past year (two years if for employment purposes).
ADDITIONAL CREDIT REPORT RELATED FACTS
How Do Errors In Reports Happen?What Should I Know About "investigative Consumer Reports"?How Does Information About Me Get Into My Credit Report? What Is A Credit Report Used For ?Why Should I Check My Credit Report And Credit Bureau?What If The Credit-reporting Company Stands By Its Report?How Can I Improve My Credit Information If I Have Been Adversely Affected?| Find Credit Facts |
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