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If you discover mistakes in your credit history, compose a letter disputing the mistake and can include any supporting paperwork.

If you discover mistakes in your credit history, compose a letter disputing the mistake and can include any supporting paperwork.

Then, deliver it to:

The credit rating agency (Equifax, Experian, or TransUnion)

The info provider that provided the inaccurate information towards the credit reporting agency. These providers consist of banking institutions and credit card issuers.

The credit scoring agency (CRA) in addition to information provider are accountable for fixing your credit file. This consists of any inaccuracies or incomplete information. The duty to correct any mistakes falls underneath the Fair credit scoring Act.

Should your written dispute will not obtain the mistake fixed, you are able to file a problem with all the customer Financial Protection Bureau (CFPB).