How to Dispute Credit Report Errors
REM # F627
By Ilyce R. Glink
Summary: There's a mistake in my credit report - what should I do? Ilyce Glink helps out a reader with some personal finance advice.
Q: I moved into my new house one year ago. At that time, I faxed my new address and identifying information to the three crediting reporting bureaus.
When I recently pulled a copy of my credit history, I saw that my old address is still listed. How can I fix this problem?
A: You need to let each of the three credit reporting bureaus (Experian, Equifax, and Trans-Union) know that there is a serious error on your credit history. Each credit reporting bureau has instructions on its website on how to dispute errors in your credit report.
At Equifax.com, for example, you would click on "online dispute." The website tells you what you need to dispute an error on your credit report. You need a current copy of your credit history and you need the 10-digit code that is on the form. The website says that there is a toll-free phone number that you can use at the bottom of the credit report to call, or you can handle the disputed information online.
The credit reporting bureaus are required by law to investigate and resolve disputed information within 30 days. If your home address is incorrect, and you can prove that you live elsewhere, then the credit reporting bureaus must correct this information quickly.
NOTE: This column is distributed by Real Estate Matters Syndicate, PO Box 366, Glencoe, Illinois, 60022. This column may not be resold, reprinted, resyndicated or redistributed without written permission from the publisher.
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