subject: Credit Report – What should you do if you find a bug? [print this page] Credit Report What should you do if you find a bug?
Check your credit history is important to keep your finances in order. In examining the accuracy of information contained in the report, you can see if someone tries to steal your identity and to keep an eye on your credit score. Finally, the ratings are calculated, based primarily on information in your credit report.
In today's economy, an error on your report could cause problemsYour credit score and some low points can cost thousands of dollars in interest. This is why it is so important that has been corrected credit report, and the errors reported to have checked.
If you have not taken a look at your credit report recently, ask away. You can charge by visiting AnnualCreditReport.com or call 877-322-8228. This goes on your credit report,verify that all payments were on time, not too late, he says. Also, make sure that all the accounts on sale for the report.
If you are on your report, find the errors, this is what you should do:
Step 1) Contact rating agencies
The submission of a complaint in writing to Equifax, Experian and TransUnion. Thanks to the Fair Credit Reporting Act (FCRA), credit institutions are required to address the problem of and inaccuracies. This should not exceed 30 days.
Send a letter to explain what you are getting the error and ask you to correct this error. Include copies of documents that support your position to be surrounded, and a copy of the report with the error. Send your letter of request by certified mail return receipt requested "is back." Keep copies of all documents sent in.
