An accurate credit report is essential, and maintaining it is something that should not be taken lightly. If a mistake or inaccuracy is noticed, it is the customer's job to dispute it and have it removed from their credit report. The good news is there are several ways to contact the credit agencies to have inaccuracies removed and cleared. Having inaccuracies on your credit report can affect your ability to get a mortgage or credit card. United States law allows consumers to check their credit report annually free of charge, which can help keep you on top of your credit.
Step 1
Check your credit free at http://www.annualcreditreport.com. This website is established by the three credit agencies under federal law and is where you can check your credit for errors. You should look for any inquires you did not make or authorize. An inquiry is a request for credit made by you and is considered a hard point against your score. Too many inquiries can result in a slight decrease.
Step 2
Write a letter to each credit agency that pinpoints the inaccurate inquiry or entry. There are three major credit agencies: Trans Union, Equifax and Experian. In the letter, make sure to detail the error and explain why it is an error. The Federal Trade Commission recommends you make copies of your letter and proof before sending it. Should the error appear on all three reports, you will have to write each agency separately.
Step 3
Mail the letter with the United States Postal Service using certified mail. This is important because it will ensure your letter is delivered and is proof you did in fact send a letter. You will receive a signature card back once the letter is signed for at the agency.
Step 4
Contact the agency by phone if there is no response within one to two weeks. Often the agency will send you a letter letting you know they are processing your dispute, but it is a good idea to follow up.
Tips and Warnings
- TransUnion: 1-800-916-8800 Experian: 1-888-397-3742 Equifax: 1-888-201-6879
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