Steps to Credit Report Error Correction

July 17th, 2010

Steps to follow

When you found errors on your Credit Report, it is up to you to file credit report error correction disputes. The followings are steps to take for credit report error correction.

1. Request credit report.

When you suspect that your credit report may contain errors, you should request your credit report immediately.

2. Review credit report.

Once you have your credit report, you should review your credit report and not any errors in it.

3. Note errors in credit report, and compile evidence you have that proves your position.

Since it is up to you to prove that your credit report contains erros, you should compile evidence support your claim.

4. Send Letter Disputing Credit.

The next step is to dispute any credit report items you found to be incorrect. Filing credit report disputes is easy nowadays. You can file a credit report dispute online, by mail, or even by email. You should not call the credit bureaus can dispute your credit report items. Your credit report dispute may get lost in the translation.

5. Begin log of correspondence.

6. Wait 30 days.

7. If no response, send Second Request for Reinvestigation.

8. Wait 30 days (or 45 days if you provide additional information).

9. If no response, contact the FTC (Federal Trade Commission).

10. Once the error has supposedly been corrected, request a new copy of your credit report.