If you feel that your credit is wrongly being damaged, there are things that you can do to correct this.
The first thing not to do is go to one of those companies that you see that advertises quick fixes to your credit problems. They can’t correct your credit report because it is illegal to remove legitimate information from your credit report.
However if you are disputing some of the claims on your report you can challenge them.
How do I get a credit report? All three consumer reporting companies are required to give a free copy of your credit report every 12 months if they are asked to. The online form is found at annualcreditreport.com or send a request at:
Annual Credit Report Request
ServiceP.O. Box 105281
Atlanta, GA 30348-5281
Send all the information that you think is applicable to your case. The consumer reporting companies have 30 days to investigate. If the dispute isn’t settled in your favor you can ask the consumer reporting company to make note of the dispute on your record.
The consumer reporting companies can keep negative information on your record for 7 years and for bankruptcy for 10 years.
If you have a problem the reporting companies you can contact your state’s consumer affair’s office or the state Attorney General.
The consumer reporting companies are:
Equifax www.equifax.com
TransUnion www.transunion.com
Experian www.Experian.com
