Find Something Wrong on Your Credit Report?

Undisputed Legal

Under the Federal Fair Credit Reporting Act, you have the right to dispute wrong information on your credit report.  Follow this checklist:

  • Write to the credit reporting agency.  Include your name, address, date of birth, and Social Security Number So the agency can identify you.  Identify the specific debt you are disputing, explain in detail why the information. Is wrong, and request that the debt be changed or removed.  Include copies of any documentation that supports your position. Send your disputed letter certified mail, return receipt requested.  Send a copy of the Letter to the source of the credit reporting agency’s information – this may be a debt. A collection agency or the original creditor and should be listed on your credit report. Keep copies of the letters you send. In most cases, the credit reporting agency is required to investigate your dispute and give you the result in writing, as well as a free copy of your updated credit report.

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