STEP ONE - Get a copy of your credit report from the three major credit reporting
The Fair Credit Reporting Act gives you the right to receive one free copy of your
credit report, from each of the three major credit reporting agencies, each year.
You can order the free copies of your credit reports at www.annualcreditreport.com.
STEP TWO - Scrutinize all the information in all three credit reports carefully
You should carefully review all the information in each credit report, in addition
to the debts listed, pay close attention to how your name appears, employment information,
addresses, etc. On a separate piece of paper, make a list of everything that is not
absolutely accurate. After reviewing the three credit reports, you should have three
Common errors include:
- Mixing of information with other consumers
that have similar names (i.e. Sr. and Jr.);
- Failure to update the reporting of debts discharged
- Continuing to report a bankruptcy after ten
- Continuing to report judgments after seven
- Continuing to report charged off accounts
after seven years;
- Failure to report the date of delinquency
of a debt;
- Re-reporting information that was previously
disputed and deleted;
- Reporting the wrong date of delinquency; and
- Reporting paid tax liens seven years after
the date of payment.
STEP THREE - Send dispute letters to the three credit reporting agencies (see a sample
IMPORTANT: SEND ALL LETTERS CERTIFIED MAIL RETURN RECEIPT
REQUESTED AND KEEP COPIES OF ALL LETTERS AND MAILING RECEIPTS
Take each list and write a letter to the corresponding credit reporting agency that
states you name, current address, and last four numbers of your social security information.
In each letter, notify the credit reporting agency that you are disputing information
contained in your credit report and list each error from your list along with the
reasons why the information is incorrect (i.e. "I paid this off"; "I never had an
account with this creditor"; "I never worked there"; "I never lived there"; etc.).
If you have any proof, such as a paid in full letter, final bill, or other documentation
you should provide a copy of it to the credit reporting agency; do not send the original.
The mailing address for each credit reporting agency is:
Trand Union LLC
1561 E. Orangethorpe Ave.
Fullerton, CA 92831-5210
Experian Information Solutions, Inc.
475 Anton Blvd.
Costa Mesa, CA 02626-7037
Equifax Information Services, LLC
1550 Peachtree St. NW
Atlanta, GA 30309-2458
STEP FOUR - Review the responses from the Credit Reporting Agencies
Ideally, the Credit Reporting Agency will respond to your dispute with a letter notifying
you that the disputed item was deleted from your credit report. Sometimes, however,
a credit reporting agency will respond with a letter that it verified the disputed
item and confirm that it belongs on your credit report. If you are unhappy with the
results of the investigation, contact us immediately to determine what your rights