A True Tale of Correcting an Error on Your Credit Report

Keeping up with your credit report is vital. It's not as uncommon as you may believe to make a mistake. A study from Consumer Reports found that more than a third of people see an error on their report.

Typically three credit bureaus (Equifax, Experian, and TransUnion) provide free, annual reports. However, due to the pandemic, you can access your credit report for free every week through April 2022.

There are a few options for disputing your credit report if you find inaccurate or unverifiable information on it.

The error could appear on only one bureaus’ report, or it could appear on all three. If the latter is true, you'll need to open a new dispute for each instance.

Through regular mail

Although this procedure is slower than filing an online dispute, it is just as effective. Credit bureaus have 30 days to respond to a dispute – or 45 if they need additional information.

To read on, swipe up.