Credit Scores – How to Dispute Errors

Tell the creditor or other information provider (not the reporting agency but the person/entity providing the incorrect information), in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.

For more information, see Building a Better Credit Report at ftc.gov/credit

While I plan on continuing this discussion on credit scores in coming weeks to look at some ways to improve your credit scores. I will change course a bit next week to discuss the status the current market before continuing our discussion on credit scores.

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