How Do I Correct Wrong Or Incomplete Information In My Credit Report? - CREDIT REPORT

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CREDIT REPORT: How do I correct wrong or incomplete information in my credit report?


The FCRA gives you the right to dispute inaccuracies or omissions, and it requires credit bureaus to investigate your complaint (generally within 30 days), send you a prompt response and correct any errors. The law also requires the source of inaccurate information (such as a bank) to correct the record at the credit bureaus to which it initially provided the erroneous information. Staff at the FTC, the government agency responsible for ensuring credit bureaus' compliance with federal laws, suggest the following: Immediately tell the credit bureau, in writing, about information you believe is incomplete or inaccurate. Include copies, NOT originals, of any documents that support your position. Clearly identify each item in your credit report that you dispute, state the facts and request a correction. Send your letter by certified mail and request a return receipt to document that your complaint arrived at the credit bureau. Keep copies of your dispute letter and enclosures. Also contact the company that provided the inaccurate or incomplete information to the credit bureau and request a correction of its records, too. If a credit bureau's investigation does not resolve your concerns, the FCRA allows you to submit a brief statement about the matter, in 100 words or less, that must be attached to your credit report and provided to anyone that accesses your report in the future. This enables you to tell potential lenders or anyone else who sees your credit report your side of the story.

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