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Bad Credit Loan Center

How to Dispute Credit Report Errors

  1. Getting Your Credit Report
  2. Correcting Credit Report Errors - Part I
    Correcting Credit Report Errors - Part II
    Correcting Credit Report Errors - Part II

1. Getting Your Credit Report

If you've been denied credit, insurance, or employment because of information supplied by a CRA, the FCRA says the company you applied to must give you the CRA's name, address, and telephone number.

If you contact the agency for a copy of your report within 60 days of receiving a denial notice, the report is free.

In addition, you're entitled to one free copy of your report a year if you certify in writing that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a CRA may charge you up to $9.00 for a copy of your report.

If you simply want a copy of your report, call the CRAs listed in the Yellow Pages under "credit" or "credit rating and reporting." Call each credit bureau listed since more than one agency may have a file on you, some with different information.




 

Useful Information

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