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Step 1
Look over your credit reports from all three bureaus (Equifax, Experian and TransUnion). Make note of any errors; always check that the name and address are correct on each, especially if your information has changed due to a recent marriage or divorce.
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Step 2
If you have found errors, first call the credit bureau to report it. If they cannot remove the incorrect information, ask them for all contact information for the creditor.
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Step 3
Now, call the creditor to sort everything out. Make sure you keep detailed notes, including the representative's name and extension. You may need to follow up with a letter, especially when dealing with an error concerning a payoff.
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Step 4
If, for whatever reason, the creditor refuses to budge, they are required to allow you to add a 100-word explanation to your credit file.
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Step 5
If there is an issue of identity theft, you must act fast. Call 1-877-438-4338 for more information on reporting the crime and correcting your personal information.
