901. I've got a copy of my credit report, and it's wrong. What now?
Description
This article is from the Credit cards and Consumer Credit FAQ, by adams@spss.com (Steve Adams) with numerous contributions by others.
901. I've got a copy of my credit report, and it's wrong. What now?
First, take a deep breath. The Federal Trade Commission says that
inaccurate credit reports are the number-one source of consumer
complaints, and that it is quite common for problems to take six
months or more to be resolved. All of the big-three agenices
are working on making sure that all disputes are handled within
30 days.
Now look in the papers that came with the report. There should be
some instructions for reporting errors. Follow them carefully.
If you have a letter from the credit grantor saying that the
information in the report is wrong, it may or may not do any good to
send it in with your letter. See the next Q.
Make copies of what you are sending out. Be sure to note the date
you sent the corrections.
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