If you get your free annual credit report and discover there are some inaccuracies, you will want to dispute the information and work to get it corrected on your credit report. When you dispute the information, you are protected by the Fair Credit Reporting Act which requires that all credit reporting agencies (like Experian, TransUnion, etc) respond with an investigation of your creditors.
If the information disputed is found to be inaccurate- it will either be removed from your credit report or corrected within thirty days. Also, if the creditor is unable to proof their information is correct, it will be considered inaccurate and will have to be changed.
What Might Need to be Disputed?
When you get your credit report, you will want to look out for the following common areas that mistakes are found:
Inaccurate details- you may find that creditors have reported late payments to your file that you dont agree with. If you have back up information, like canceled checks or statements that show when the checks were cashed, you are more likely to be able to get the late notation removed.
Old, outdated information- on your credit report, negative...
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