Difficulty: Moderately Easy
Step1
Send a letter by certified mail to each of the credit reporting agencies that have incorrect information. Include a copy of any documentation supporting your claim that the data is inaccurate.
Save your certified mail receipt and a copy of the letter. For the address of each credit reporting agency, please see my eHow article, "Contacting Credit Reporting Agencies by Mail." The link is at the bottom of this page.
Step2
Send a letter by certified mail to the creditor that made the incorrect entry on your credit report. Include a copy of any documentation supporting your claim that the data is inaccurate. In the letter demand that the record be updated within 30 days. Let them know that failing to update this information within 30 days is a violation of FCRA.
Step3
Wait 30 days and check to see that your credit report is updated. If it isn’t send a second letter by certified mail to the credit reporting agency. Enclose a copy of the letter you sent to the creditor.
Step4
If your record still isn’t updated and you have proof that they have made an incorrect claim against you, then you have the right to sue your creditor. FCRA protects you against unfair reporting and you will win in small claims court.