How Do I Correct My Credit Report Inaccuracies?

You Can – and Should –
Correct Your Credit Report Inaccuracies

Don’t be afraid to question items on your Credit Report that you believe to be in error. With just one simple letter to your credit reporting agency, you can set the record straight.

THE THREE BASIC TYPES OF CREDIT REPORT INACCURACIES

• Missing accounts
• Errors related to your personal history, such as your current address
• Errors in your listed accounts.

The Fair Credit Reporting Act (FCRA) requires that credit reports be accurate and specifies what you can do to have errors on your report removed or corrected.

• To add missing accounts, contact the credit reporting agency and the creditor and ask that your credit history be updated to show the missing account.
• To remove an error in your credit report, send a letter to the credit reporting agency that clearly explains the error and includes supporting documentation.
• If the credit reporting agency doesn’t agree with you and will not remove a disputed entry, you may send a 100-word consumer statement along with a cover letter to the credit reporting agency asking that the statement be added to your credit report.

Take advantage of BrightScore’s Automated Dispute Checklist to help you to identify and track your concern(s) with the credit reporting agency and your creditors.