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et81212

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Bad Creditor Reporting
How do you get a creditor to correct bad information they have reported?

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Get all your credit reports first...

Helpful to 2 out of 2 people

What you will want to do is get all three of your credit reports to see if there are actual discrepancies on them. You can get all three reports (one at a time) for free at www.annualcreditreport.com

You can do that once per year.

After you get those reports, you will have 30 days to put in any 'disputes' for any incorrect items (wrong name(s), addresses you have never lived at in the past, incorrect credit reporting, etc.

You will be able to put those disputes in online or through the mail. It will normally take 60-90 days for any incorrect items to be changed on your reports though.

With creditor inaccuracies, the three bureaus have to send their dispute to those creditors and they have 30 days to reply. If they do not reply to the bureaus, it will automatically be deleted off your credit reports.

P.S.  You have to put in your disputes separately for each bureau...Experian, TransUnion, and Equifax. You cannot just put it in to one bureau and hope that all your reports are fixed.

I hope this helps :)

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