How can I correct wrong info on my credit report?
930893
Correcting your credit report is fairly simple.  When you got your credit report, they gave you the address to send the dispute to.  If not, look at the above answers for the address.\n\nIf the information you are disputing regards a debt, or anything that may have a negative impact on your score, then you MUST send the dispute by certified mail.  \n\nThis is VERY important.  In the event that they do not correct this information, you need the proof that they were notified before you can proceed with any legal or punitive action.
729866
Sometimes (and it's odd that it got attached to all three) pulling a credit report can pull up inaccurate information when there are that many similar factors.  For example, my father and I have the same first and last name (not middle), lived at the same address, same phone number.  When I applied for a mortgage, the lending company pulled up a lot of my father's information on my report!  I almost got turned down for a mortgage because according to my report, I already had one!  \n\nFile a dispute letter with all three agencies, not just a phone call.  The bills are clearly not yours and provide proof to the fact.  The credit bureaus will remove the bill from your report and request the company provide proof that it belongs to you.  The collection agency provides information and can not control the bureau's computers from pulling up their information on someone else's report (as long as the infor the collection agency has provided is correct).  Providing physical proof to the bureaus should be enough.  If, for some unknown reason it doesn't, you may have to go legal.
1183847
Lets get some facts straight.\n\nCredit reporting agencies report what creditors tell them to report.  They can add/delete/edit the reports at any time.\n\nOnce you have a delinquency, a negative report is placed on your credit report.  \n\nWhen you pay off this debt, the creditor must show that the debt is "paid".  However, it will still reflect that you had a delinquency and it still is a negative report.  Therefore, paying off your debt does NOTHING to fix your credit.  \n\nHowever, the creditor can request that the report be deleted, or they can edit the report to show that it's "paid as agreed", which removes all negative information.  The problem is getting them to do it.  And once they have your money, you have no leverage to get them to do it.\n\nMany creditors will tell you they can't do it.  They are lying, and I can show you where in the law they can do it.  What they are actually telling you is "You screwed us...so now we are going to screw you!".\n\nWhat you need to do is get an agreement IN WRITING that once your debt is paid, the creditor agrees to remove all negative information from your credit report.\n\nIf you don't, you will end up broke plus you will still have bad credit.  You have accomplished nothing.
1047438
What you need to do is dispute these reports with the credit bureau.  What they are doing is illegal and if these reports are not removed, you can sue them in small claims court for $1000 for each entry!  <cha-ching$$$>\n\nBut you need to do it right!  So follow these instructions.\n\nSend a dispute letter to the credit bureau listing these entries and point out these are duplicate entries. \n\nThe Bureau will then contact each of the creditors and "verify" that the debts are valid.  If they get no response the report is deleted.  If they respond back and verify the debt, the report stays on your history.\n\nAt the same time, send a "demand to validate" letter to the creditors who are listing these entries.  Demand that they send you copies of contracts, bills, receipts, and anything that was used to calculate what they claim you owe them.  They have 30 days to respond.\n\nIf they do not send this, send another letter to the credit bureau and demand the listing be removed due to "lack of validation".  \n\nMake sure you send all of these letter by certified mail to prove you contacted them.  \n\nIf the listings are still there, file a lawsuit in small claims court.  It's easy and doesn't cost that much.  \n\nI had to do the same thing to get an inaccurate listing removed from my record, and won $1200 for my troubles.  Don't let them push you around!
985749
it should be listed on your credit report\n\nwww.equifax.com
349172
You are finding out what I've been trying to warn people about for weeks now.  \n\nNever, ever, pay off an bill that is in collections unless you get IN WRITING that they will remove the negative entry from your record before you pay them a DIME!\n\nNow that they have your money, you no longer have any leverage over them.  Good luck getting them to fix your report.  Remember this....credit reporting agencies only report what the creditor tells them.  They can NOT remove it or change it.  \n\nWhat you will need to do is this.\n\n1) Send a letter to the CRA protesting the report, and tell them exactly what is wrong with it.  If it's paid off try to supply any evidence of it.\n\nThe CRA will contact the creditor to "verify" that the report is legitimate.  Remember they are not investigating anything, they are just verifing with the creditor that the information they have is correct.  \n\nIf the creditor does not change the record, and you have documented evidence that it is wrong, then move on to part 2.\n\n2) Send a "demand for validation" letter to the creditor.  They must supply you with copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe. If they do not produce it, send a copy of this letter with another protest to the CRA to remove the listing.  If they don't do it, you have grounds to sue both the CRA and the creditor.\n\nIf the creditor can not supply proper evidence to prove the listing is accurate, and still will not remove it, you can sue the creditor for violations of the FCRA, and defamation of character.  \n\nRead the links below, contact me if you need more help.
110350
Get a copy of your credit report.
179574
Contact the credit bureau and request that they change the information to reflect truth.
1105227
I need more info before giving you any good advice.  \n\nIf someone got credit in your name, and you are claiming the debt is not yours, then there is a procedure already in place regarding ID Theft.  Go to the first link below and read up.\n\nYou first need to contact the local police department and get a report.  Then you will need to contact the creditors who are after you and inform them that the debt is not yours.  Send them a copy of the police report, plus a signed and notorized affidavid saying your ID was stolen and this is not your debt.\n\nIt's up to them to prove it's yours, not the other way around! \n\nNow, to clean up your credit, examine the Fair Credit Reporting Act, and the Fair and Accurate Credit Reporting Act.  These laws detail exactly what you must do.\n\nFollow these instructions carefully!\n\nSend a dispute letter to the Credit Reporting Agencies demanding that the listing be removed.\n\nSend a "demand to validate" letter to the creditor, and demand that they prove this is your debt.\n\nIf this does not solve the problem, you can sue them in small claims court.\n\nThis is exactly what happened to me.  Someone used my ID to get a Holleywood Video account and run up $300 in charges.  It went to collections agency and ended up on my credit report.\n\nI did the letter writing stuff, but they still wouldn't take the listing off.  So I went to small claims court.\n\nThe credit bureau settled for $200.  The collection agent decided to fight me, and it cost them $1000 plus court fees.  \n\nThe reason they get away with this stuff is because consumers don't understand the law!  \n\nContact me if you need more advice or support.
965816
You can go to the loan office and ask them to please report it to the credit dept. and also ask to receive a print out of your payment history so that you will have proof in black and white that it was in good standing, you might also want to contact the credit agency to contact the loan office requesting the info to update your credit files
178436
Do you have copies of your credit reports and know what is in them? \n\nIf not go to www.annualcreditreport.com where you can get all 3 for free once a year and it won't hurt your credit score.\n\nReview your files for accuracy. You have the right to dispute any item that you believe is inaccurat or unverifiable. The investigation will take about 30 days and you will get back the results:\n\n1) the item will be deleted.\n2) the item will be updated(could be more negative)\n3) the item will be verified as currently reported.\n\nThe FTC is cracking down on Credit Repair companies(see my link below) and I would be very careful about who you choose to help you.\n\nIf you choose not to try and "clean" up your credit yourself then I would look at a company like lexington law. They make sure they are in compliance with the law and make wild claims.\n\nGood Luck
1127393
Check you credit report\n\nget a free on on www.annualcreditreport.com
686380
I love all these idiotic answers to just "pay your bills".  \n\n\nThere is an excellent article you need to read on this...see the link below.  It gives a good step-by-step on how to get your credit score cleaned up.\n\nBe advised that if the debt on your report is accurate, and the creditor properly validates it, you can not get it removed from your history.  It will have to come off after the 7 year reporting period expires.
328114
That stuff is listed in phone book; as long as you didn't give out info like ss#, bank accts., credit cards, you will probably be okay.  If you are that concerned you can call one of the credit bureaus and ask what their policies are on unusal activity regarding your credit.  If you report it ahead of time this may help you with any liabilities in the future.  Good luck.\n\n I hope you didn't give any bank info to this man.  If so, call your bank tomorrow and explain situation.  Cancel acct. and wait to reopen a different one till you call soc sec..  Call soc sec. office and explain what happened and that your # and info may have been compromised. They will probably have a new one issued to you.
481860
It sounds like they are bumping your reporting dates.  The law says the reports can only be on your history for 7 years, beginning the date of default.\n\nIf you have anything to show this, send the credit reporting agency a letter to protest it and have the listing corrected or removed.\n\nAlso send a letter to the creditor demanding that the "Validate" the debt.  That means that they must supply you with contracts, bills, recepts, and everything that was used to calculate what they claim you owe.  If they can't produce this information, the listing must come off.  Otherwise you can sue them for violation of the Fair Credit Reporting Act.\n\nRead the link below, along with a sample letter.\n\nAs for your student loan, it's not likely you can fight it, especially if it's a government backed loan.  It will drop off after 7 years.
934097
You know I was gonna sign up with them, but I can tell you they are a scam. They will stretch sending those dispute letters for a long time so you have to keep paying them monthly-\n\nYou can do what they do by sending the letters and disputing your credit errors by yourself. It is very easy. I just got a judgment taken off last week. \nSign up with www.truecredit.com\n\nThen look for the errors- \nmake 3 copies of your credit report and highlight all the errors\nsend one copy of your report to each of the credit agencies(trans union, equifax,expirian)\nAlso write a head letter for each credit agency\n\nheres a sample letter(customize it to each credit agency)\n\n Credit Report Dispute Letter\n\nDate\n\nComplaint Department\nName of Company\nAddress\nCity, State, Zip Code\n\nRe: Your Name\nYour Date of Birth\nYour Social Security Number\n\nDear Sir or Madam:\n\nI am writing to dispute the following information in my credit report; I have circled the items I dispute on the attached copy of my credit report.\n\nItem 1: (identify item by name of source (i.e. \ncreditor) and type of item (i.e. credit card account, judgment, etc.) This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (updated, modified, etc.) to correct the information.\n\nItem 2: (if applicable, etc.)\n\nEnclosed are copies of documents (i.e payment records, court documents, cancelled checks, etc.) which support my dispute of the above-referenced item(s). Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.\n\nSincerely,\n\nYour name\nYour Address\n\ncc: creditor(s)\n\nEnclosures: (List what you are enclosing)\n\nMail this letter along with a copy of your printed credit report to each agency:\n\nDo not dispute any bad credit that is not listed under that agency.For example if you have a credit error with transunion and its not listed with equifax, you dont want to send a dispute letter to equifax because this will only cause the creditor to possibly make a report to equifax.\n\nSend your letters First class mail and always keep all copies of what you sent and receipts that you did in fact mail your disputes.\n\nThis way you have proof of the exact day you mailed your claim . The credit agency has 30 days to do the investigation or bye bye baby the debt gets deleted.\n\nHere is another letter for your creditors to demand proof of your debt:This was emailed to me by another yahoo board member and it is great:\nSample letter to creditors\n\nThis letter is being sent to you in response to a notice sent to me on December 16, 2005. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.\nThis is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.\nPlease provide me with the following:\n• What the money you say I owe is for;\n• Explain and show me how you calculated what you say I owe;\n• Provide me with copies of any papers that show I agreed to pay what you say I owe;\n• Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.\n• Prove the Statute of Limitations/UCC has not expired on this account\n• Show me that you are licensed to collect in my state.\n• Provide me with your license numbers and Registered Agent\n\nAt this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mar
26973
If the reports that are in your credit report are factual then nothing you can do.  You can only wait for 7 -10 years when they will be erased off your record.\n\nHowever, if it happenned through no fault of your own, speak with the creditors and ask them to remove the negative entry from your file.\n\nSometimes you can call the reporting agency and claim you have no knowledge of a certain entry or you dispute it and they'll request more information from the creditor.  If the creditor does not reply they will remove it.\n\nEither way at least dispute it so it will say "disputed by consumer" on file, so other potential creditors will at least know you are fighting it.