Disputing an Error on your CREDIT REPORT…
August 5, 2010
1. Source the error and contact the lending company directly that is misreporting to the credit agencies.
2. Ask the lending company for documentation in writing that confirms that the error was a mistake on their part and verifies that your account is in good standing.
3. Send this documentation, along with a detailed explanation of the mistake to each of the bureaus reporting the error.
Equifax Experian TransUnion
P.O. Box 740256 P.O. Box 9554 P.O. Box 6790
Atlanta, GA 30374 Allen, TX 75013 Fullerton, CA 92834
4. Include a request for them to notify you once the discrepancy has been resolved.
Generally, a correction takes 30-45 days. The bureau will likely contact the lending company directly to confirm the information you provided, and then make the appropriate changes to your credit report.
If you have any questions we will be happy to answer them. Please call Mike Morgan at Peoples Mortgage 520.954.7686.
