Remember, that under the Federal Credit Reporting Act a credit reporting agency can not update your records unless the information is inaccurate or an investigation is done and the creditor fails to respond. Creditors, not credit reporting agencies, are responsible for correcting the information.
You can also get a free copy of your credit report annually from all three agencies by going to AnnualCredit Report.com. This is the only official free credit report website sponsored by the credit agencies. It is important to remember that after you’ve entered your contact information, advertisements will pop up. Click “NO” to anything requiring payment. Eventually, you will see your credit score FREE.
Equifax Online: http://www.equifax.com. To dispute an item on your credit report follow the link below for Equifax Dispute. For fraud reporting or prevention follow the link below for Equifax Fraud.
Experian Online: http://www.experian.com. To dispute an item on your credit report follow the link below for Experian Dispute. For fraud reporting or prevention follow the link below for Experian Fraud.
TransUnion Online: http://www.transunion.com. To dispute an item on your credit report follow the link below for TransUnion Dispute. For fraud reporting or prevention follow the link below for TransUnion Fraud.
After you have contacted your creditor to resolve a dispute, follow-up by contacting each credit reporting agency. Provide them with a copy of the communication you had with the creditor. Let them know there is a dispute and the creditor is obligated to respond to the reporting agency with updated information. This will ensure your credit report is updated within a reasonable amount of time. If the creditor fails to respond, the credit agencies will remove the disputed transaction from your report.