Credit Report Errors

How to check your credit reports?

When checking your credit reports from the three major credit reporting bureaus, compare your information on file to the information on your three separate credit reports. Check everything, from account numbers to high balances to payment dates. To compare some of this information you are going to have to sort through some of your old records.

If the items on the credit report are favorable, do not worry too much about cross-checking them (unless they are accounts that are closed, but are not listed as closed). If they are negative, you should examine them very closely for errors.

Disputing bills on your credit report

Credit card bills is among one of the top reasons why people file credit report disputes. If you find errors on your credit report regarding your credit card bills, you should know how to resolve the credit report errors. Resolving these credit card problems before they affect your credit report is the simplest and best way to maintain good credit.

Credit cards errors on your credit report

If you find an error on your credit report on a current credit card bill (not credit reports, but an actual bill from one of your credit cards), you need to:

• contact your credit card company directly. Credit reporting agencies do not handle these credit card disputes, and

•  

• send a letter to creditor regarding billing error.

A phone call is not the way to handle credit report disputes or credit card disputes. You need to put it in writing for the Fair Credit Billing Act to cover you on this situation.

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