Errors on your credit report may take a variety of forms from simple spelling errors or no new address reported to fraudulent uses of your credit to obtain financing for purchases. There are two different ways to correct or 0dispute0 this information; online or in writing.
If you need a credit report visit 0An Overview of the Fair Credit Reporting Act0 www.identitytheftsecrets.com/an_overview_of_the_fair_credit_reporting_act_what.html for information on how to obtain your free credit report and why you are entitled to one.
Here is a step by step process for disputing your credit report information:
It is important that you receive your credit report from all three major credit reporting agencies: Equifax-800-685-1111 www.equifax.com ; Experian-888-EXPERIAN (888-397-3742) www.experian.com ; TransUnion-800-916-8800, www.transunion.com: as different credit companies report to different agencies. Not all creditors use only one and the incorrect information may appear in different reports. You may obtain your credit report online for free one time a year, with each additional report costing and additional sum, usually $10.00. If you are obtaining your first free annual credit report it will include all three agencies, you do not need to request one for each. However, you may find it more cost effective to use a credit monitoring system with […]

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