Correcting errors on credit reports can be difficult task. Persistance usually pays!
There can be many types of errors or credit reports. Improper deliquencies can be a serious problem. Incorrect address or other information can also lead to problems and should be corrected. On one of my reports they once had the address of a creditor as my previous address. In another case a company that used to have my PO box was associated with me on one of my reports. Here are some tips to correcting errors:
-Obtain credit report directly from each of the 3 credit bureaus. Do not depend on a combined 3-bureau report. These reports are compiled and you may not be able to tell which bureau has which information. Each bureau is required to send one report per year free and if any corrections are made they must send another free report each time.
-File a dispute with the bureau that has incorrect information. TransUnion Disputes | Equifax Disputes | Experian Disputes. If the dispute falls into an unuusal category, such as a basd address it may take a few tries before it is fixed. make sure to check the updated report and keep filing a dispute.
-If the dispute is not properly fixed file a complaint with the Federal Trade Commission and copy the complaint alsong with another dispute sent to the credit bureau via mail. This often provides the extra imptus for the bureau to take a closer look.
Equifax free credit report request: http://www.equifax.com/answers/request-free-credit-report/en_cp
Transunion Free Credit Report Request: http://www.transunion.com/corporate/personal/creditTools/freeCreditReport.page
Experian Free Credit Report Request: “To confirm your eligibility and request your free or discounted copy delivered by U.S. mail, please call 866 200 6020” (or pay $15 online) http://www.experian.com/credit-reporting/check-credit-report.html.