If after obtaining a copy of your report, you discover an error, notify the credit reporting agency. They can assist you in taking the necessary steps to correct the report and will investigate the error(s).
After contracting the credit reporting agency, tell the creditor or other information provider in writing that you dispute an item. You will want to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider then reports the item to any credit reporting agency, it must include a notice of your dispute. In addition, if are correct- that is, if the disputed information is not accurate- the information provider may not use it again.
First, contact the credit reporting agency to dispute any errors.
If you need help, credit counselors will write and submit letters on your behalf to the credit reporting agencies to correct your credit reports.
