If your credit report has errors or is missing information, you can take steps to clean it up. Under the Fair Credit Reporting Act, you have the right to dispute all incomplete and inaccurate information in your credit file.
Read on to learn how to clean up your credit report by disputing information in it.
The first step in cleaning up your credit report is getting a copy of your report and reviewing it carefully. (To learn how to get your report, see the articles in Credit Reports & Credit Scores.)
Look for negative items that shouldn't be on the report. When you review the report, keep in mind what types of information can legally appear on your report, and for how long. (For details, see Credit Report Basics.)
Also look for positive errors. Even "positive" information on your report can be damaging if it isn't true. For example, suppose your credit report says you have a graduate degree, but you only have a high school diploma. A potential employer might reject your job application thinking that you're over-qualified and you lied on your application. The 9th U.S. Circuit Court of Appeals decided in 2017 that, under certain circumstances, consumers can sue a reporting company when it doesn't take sufficient care to ensure that it is accurate when producing reports even when you, for example, can't identify a specific job opportunity that you lost because of incorrect information (Robins v. Spokeo, 2017 DJDAR 7859 [Aug. 2017]).
Other errors. Also look for other errors, for example misspelled names and the like. (For a comprehensive list of items to check for in your report, see Checklist: Things to Look for in Your Report.)
Once you’ve compiled a list of all incomplete and inaccurate information you want corrected or removed, prepare a letter identifying each correction needed and the reasons that support your dispute for that item. You may use Nolo’s eForm, Letter to Request Reinvestigation. It gives you more flexibility than the forms the credit reporting agencies provide. Don’t simply handwrite a letter; handwritten letters on plain paper often are given minimal attention.
Send your letter to the address provided by the credit reporting agency for disputing information (keep a copy for your records). Also, enclose copies of any documents you have that support your claim. It may help to include a copy of your credit report with the disputed items highlighted. Keep your original documents.
The three nationwide credit reporting agencies allow you to submit your dispute online. In the past, there were several reasons why submitting your dispute this way wasn’t optimal. For one thing, it wasn’t possible to include supporting documentation through the online process. In addition, the reporting agencies would reduce your issue to a two-digit code and provide only that code on to the furnisher (the company that gave the information to the credit reporting companies) rather than giving them the full story.
However, as of 2014, not only can you upload supporting documentation (such as a canceled check, a note marked “paid,” a statement with a zero balance, or a letter abandoning a claim) when submitting your dispute online, but the credit reporting agency must provide all relevant information, including the dispute itself and supporting documents, to the furnisher. If you still prefer not to use the online process, you can mail in your dispute.
Once the credit reporting agency receives your letter, it must either:
If the credit reporting agency chooses to delete the incorrect information within the three-day time frame, it must notify you by telephone, provide a follow-up written confirmation, and provide a copy of a new credit report within five days after the deletion.
If the agency does not delete the information within three business days, it must:
The reinvestigation won’t cost you anything.
If you let an agency know that you’re trying to obtain a mortgage or car loan, it can often do a “rush” reinvestigation.