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There are things listed on my credit report that aren't true. How do I fix this?
May 17th, 2010 - Posted by Tasha
Q: There are things listed on my credit report that aren't true. How do I fix this?
A: First, kudos for taking the time to obtain and review your credit report! It's an excellent way to make sure your credit history is accurate.
You don't mention which credit report is incorrect, but you should be aware that everyone has 3 different credit reports. Each of the 3 credit bureaus – Equifax, Experian and Transunion – keeps its own separate record of your credit history, and they might not match up with each other. This is because creditors don't always notify all three bureaus. Sometimes they only notify one or two.
To correct any inaccuracy, you need to submit a dispute request to the credit bureau with the wrong information. You can easily do this online by clicking on the appropriate link below.
Everyone should keep a close eye on all 3 of their credit reports. The most convenient and cost-effective way of doing this is to sign up for a credit report monitoring service like the top reviewed Identity Guard. Credit report monitoring services actively monitor your credit information and will notify you of any change, allowing you to proactively manage your credit history and stay on top of any incorrect or harmful updates.
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May 18th, 2010 at 11:11 pm
I agree with your post. thanks for sharing
April 11th, 2011 at 11:24 am
[...] in our previous blog about What To Do If Someone Has Stolen Your Identity. You'll also want to file dispute claims with the credit bureaus to help get your credit report [...]
April 18th, 2011 at 1:49 pm
[...] A: Excellent question. First, order all three of your credit reports (Equifax, Experian and TransUnion). Then carefully read through each one, checking for any suspicious changes or activity you were not responsible for. If you see anything that appears to be fraudulent, you may be a victim of identity theft. If this is the case, read our article on What To Do If Someone Has Stolen Your Identity. This is also a good time to clean up any erroneous information you see on your report by reporting it to the individual credit bureau. [...]
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