Credit Bureau Reporting
CLEAN UP THE INCORRRECT INFORMATION ON YOUR
If your disputing a listing by a Credit Bureau
Reporting Agency, you may contact
the Credit Bureau directly or The Federal Trade Commission to correct the
If you are having credit problems and you
would like to learn more about how you can correct and/or repair your credit
report, you can start by visiting the Three Major Credit Bureau's Web Sites
listed below, order a copy of your report and have located the inaccuracies
or mistakes you can contact the Federal Trade Commission on our web site
below to get help.
get to Experian Credit Bureau (TRW CCN) by
Experian (TRW, CCN) Credit Bureau.
Order a credit
bureau on line here
You can get to Equifax Credit
Bureau web site by going here:
Equifax Credit Bureau.
Order a Credit Bureau on line here
You can get to Trans Union Credit Bureau by
Trans Union Credit
a Credit Bureau on line here
Get An Online Credit Report Right Now (In 30
Dunn & Bradstreet Business-to-Business
A credit score is a snapshot of your credit risk picture at a particular
point in time. A number of lenders use it to help them decide if they
should give a person a loan or credit card.
What To Do If You Have Negative Information
In Your Credit Report
If you have been denied credit because of negative
information in your credit report, you may ask which agency provided your
credit history and then obtain a copy of your report from that agency at
no charge within 60 days. In addition, you are entitled to one free
report if :
(1) you are unemployed and plan to seek employment within 60 days;
(2) you are on welfare, or
(3) your report is inaccurate due to fraud. Each credit agency uses
a different report format. When you request a copy of your report, the agency
should include a legend to help you read it.
What can you do if there is negative
information in your report?
If you find negative information in your credit report that is correct,
(1) Pay any balances so that creditors can update your file.
(2) Wait the required length of time for negative information to be taken
off. Credit agencies must automatically delete negative information which
is more than seven years old, with the exception that bankruptcies may remain
for ten years.
(3) Write a brief statement to be included in future reports. While the law
limits this information to disputes, most credit agencies will include
explanations, such as unemployment.
Accurate information cannot be removed from your
credit report. If you have any questions with regard to this "fixing your
credit report," you can contact the Federal Trade Commission. The web site
address is www.ftc.gov.
What can you do if there is incorrect
If you find there is incorrect information in your
credit report, you can:
Request, in writing, an investigation which will
be made within 30 days.
Contact the creditor, in writing, and if you are
not able to resolve the dispute, the creditor must report it to the credit
If any deletion or notation is made regarding
the information, you may request that the new information be sent to any
employer who has received a credit report during the past two years and,
in addition, anyone else who has requested credit information in the previous
Here's the Federal Law that governs Credit
Bureau Reporting and your rights:
Credit Reporting Act
After you have your Credit Bureau Reports and you are
ready to get help correcting it
you can use our Federal Trade Commission Web Site to get help
related Web Sites
Reporting and Repair