Fixing Credit Errors Step By Step

By now you know you should review your credit reports for inaccuracies every 90 days. But do you know what to do when you encounter a mistake in your credit report?

7 Steps to correct credit report errors:

  1. The first thing to do is get a copy of your credit report from each of the three major Credit Reporting Agencies (CRA) : Equifax ,  Experian  & TransUnion. There are plenty of places to get your credit bureau bu I recommend; AnnualCreditReport.com  because this way you only need enter your information once and it’s Free!
  2. Follow the instructions in each credit report for disputing an item, tell the CRA what information you believe to be inaccurate. Include copies (not originals) of documents that support your position. Provide your complete name and address, identify each item in your report you dispute, and request deletion or correction. Be sure to make copies of your dispute letter and enclosures.

This article was written by ricardocobos

Since relocating from Northern Michigan in 2007 I have lived in Garner (27529) with my wife Melanie and our four children. I am a local market expert in southern Wake County in the following communities: Garner (27529), Fuquay-Varina (27526), Holly-Springs (27540), Apex (27502), and Raleigh (27603) which spans from downtown Raleigh to Willow Spring including Lake Wheeler. Call or email me, I’m here to help! Ricardo Cobos (919) 526-0183

Comments

  1. […] Fixing Credit Errors Step By Step (via Raleigh Mortgage Guy) August 21, 2011 Drew Ludlow, Realtor/Broker Leave a comment Go to comments By now you know you should review your credit reports for inaccuracies every 90 days. But do you know what to do when you encounter a mistake in your credit report? Here are the steps need to be taken to correct the matter. The first thing to do is get a copy of your credit report from each of the three major Credit Reporting Agencies (CRA) : Equifax ,  Experian  & TransUnion. I recommend; AnnualCreditReport.com  because this way you only nee … Read More […]