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How to Get an Error Off of Your Credit Rating

by Jessica Saras
  • Overview

    If you're like most people, you've probably discovered an error on your credit report. You wonder what in the world you need to do to get this inaccurate information off your rating. Just as with any mistake, even one reported to a big financial institution, it is easily corrected.
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  • Step 1

    Review your credit report from all three credit reporting agencies: Equifax, Experian and TransUnion. Because each agency uses different information, your reports may vary. It's important to check all of them.
  • Step 2

    Contact each of the credit reporting agencies that are reporting inaccurate information. If you have a secure Internet connection, you file a dispute online via each of the credit card bureau's website. Financial experts, however, recommend filing a formal dispute by certified mail.
  • Step 3

    Compose a letter to each appropriate credit bureau. Provide your name and address as well as the reason for your dispute. Be sure to include a copy of your credit report and reference the item or items you are disputing.
  • Step 4

    Mail your letter by certified mail (so you can check the shipping status and verify that they were received). You will also want to keep copies of the letters you sent in case you need them later.
  • Step 5

    Make copies of any documentation that supports your dispute. Keep the original documents for yourself and include copies in your dispute request.
  • Step 6

    Contact the creditors associated with the incorrect information. Inform the company or person of your reasons for disputing the information and, if necessary, submit copies of any documentation that supports your dispute.
  • Step 7

    Wait for a decision. Typically, you will be notified of the decision within 30 days. If the credit reporting agency agrees with you, the issue will be removed and you will be sent an updated copy of your credit report.
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  • Credit report Contact information for each credit card bureau
  • Credit report
  • Contact information for each credit card bureau
  • Avoid companies that help remove credit errors. These companies usually charge fees for services.
  • Avoid companies that help remove credit errors. These companies usually charge fees for services.

References & Resources