Hey! I found an error on my credit report. What do I do?

Fill out the dispute form that’s contained in your credit report, or write a letter to the credit reporting agency explaining your dispute. Be sure to include copies of any documents you have that support your claim. The agency usually has 30 days to investigate your claim, notify you of the results in writing, and delete inaccurate or unverifiable information. 

If the investigation reveals an error, the credit reporting agency must send you a free, updated credit report and notify the other nationwide credit reporting agencies to correct your file. You may ask that a corrected version of the report be sent to anyone who received your report within the past six months and to those that requested it within the last two years for employment purposes. 

If you’re not satisfied with the results of the investigation, you can dispute the claim by providing the credit reporting agency with a written explanation of no more than 100 words. The statement will be added to your credit report so future credit grantors can take that into consideration.