![]() ![]() ![]() There are many ways you can contact and dispute items on your credit report. Supporting documentation proving how the information should be reported.A copy of your credit report with the erroneous items highlighted.An explicit request for the information to be removed or corrected.An explanation as to why and how the information is incorrect.A clear list of each mistake with account numbers.Your contact information: Complete name, address, and telephone number.For incorrect information, you can file a dispute with the credit bureaus to have the accounts investigated. In most cases, you have to initiate this process. If you find an error in the report, dispute the collectionĮrrors on your credit report can be removed or corrected. Negative items that should have been removed by law, like paid off medical bills.Incorrect data points on amounts and other activities like delinquency, date opened, balance, etc.Someone else’s information appearing on your credit report by mistake.If you see any information in these sections of your report that is not accurate, you have a legal right to dispute them. How to identify collection account errors in your credit report ![]() If you find anything reported incorrectly, you can take steps to update or remove the information. It’s important to go through this information for accuracy. The next place to examine is the “public records,” which may have another name like “potentially negative items.” This section may contain items that can lower your credit score like bankruptcies, foreclosures, charge-offs, delinquent payments or repossessions. You can always call the creditor listed to find out if you can pay them directly or if you have to deal with a collections agency they may have turned the account over to. In some cases, these accounts may have been sent to collections. When you review your report, you can jump to the “credit history and accounts” and check for any accounts that might be showing as “negative” instead of “good standing.” That’s where you’ll find information on missed or late payments. Knowing how to read your credit report is a helpful skill you can learn in no time. At least until the end of 2023, you can pull reports from each of the three big credit bureaus once per week at no cost. Fortunately, it’s now very easy to get access to your free credit report online. In this case, the very first thing you need to do is check your credit report thoroughly. If you start getting calls or notices about bills that are past due and missed payments, it might mean these delinquent accounts and unpaid charge-offs have been reported to the major credit bureaus and now appear on your credit report. ![]()
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