Fix Errors On Your Credit Report
If you see incorrect information on your credit report, it's possible to fix it. If you find things like misinformation about where you live and payments recorded as late when they were on time, you need to contact the credit bureau(s) immediately and contact the creditor who reported erroneously that the payment was late. They are required by law to investigate and correct mistakes. This is what you can do: Fill out a dispute form or write a letter to the credit bureau(s) and the relevant creditors explaining what's wrong. For example, if there's negative credit information older than 7 years or there's bankruptcy information older than 10 years on your report, it shouldn't be there. You should report it as erroneous information that should be deleted from your report. Keep copies of the letters you send the credit bureau(s). Get written verification of the change in the credit account. You should get written verification from the creditor and the credit bureau that your information will be updated. Add a personal statement to your credit reports. Credit bureaus are required to accept these statements if they're related to incorrect information on your report. They are not required to accept statements that explain why you were late or did not pay, but many will. Keep your statements under 100 words.