Then, deliver it to:
The credit rating agency (Equifax, Experian, or TransUnion)
The data provider that offered the inaccurate information to your credit agency that is reporting. These providers consist of banking institutions and creditors.
The credit rating agency (CRA) as well as the information provider are accountable for fixing your credit history. This consists of any inaccuracies or information that is incomplete. The obligation to correct any errors falls beneath the Fair credit scoring Act.
If the written dispute doesn’t have the mistake fixed, it is possible to register a problem aided by the Consumer Financial Protection Bureau (CFPB).
Negative Information in A Credit History
Negative information in a credit file may include general public records–tax liens, judgments, bankruptcies–that give understanding of your financial status and responsibilities. 继续阅读If you discover mistakes on the credit history, compose a letter disputing the mistake you need to include any supporting paperwork.