A credit report is a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. It is used in determining an individual's willingness to repay a debt.
Once you have your credit report in your possession, and you determine that there is one or more errors, you will want to request that the erroneous entries be investigated and corrected. You need to complete a send a separate document to each reporting agency with which you want to correspond. Use this document to request a correction to your credit report.
Errors that are commonly disputed are balances on accounts, negative information (such as late payments) being erroneously put on the credit report and accounts not belonging to you appearing on your credit report.
direct and informational
I had more than one error on my report, I could not figure out how to input them individually, so I put multiple creditors in the box and multiple account numbers in the account number box. I tried to call and talk to someone regarding this issue I was having, but just keep getting an redirected by an automated machine, frustrated!
Forms in this package include: