If you are checking out your credit report and you see an error what should you do? There are things that you may not realize and this is going to happen all the time. There are mistakes that are accidental on your credit reports all the time. However there is something that you can do about it. Wrong numbers on your credit report may bring down your score and you should make sure that you get this fixed right away by contacting your credit agency.
You do not have to pay a lot of money and see someone to get this fixed. You first have to get a copy of your credit report and circle any items that you think is wrong and make sure that you are inspecting it again very well to make sure there is nothing left out of it. The next thing that you need to do is write a letter to the credit agency and telling her of all the disputes. The address for the agency should be listed on the credit report. You need to be sure that you include all the copies of paperwork that is going to pertain to the disputes that you are reporting and that all of the documents that you are sending are copies and not the originals. You need to keep those for yourself. You should send this all by certified mail and get a receipt to be sure that it was shipped and it was received.
It is up to the reporting agency to investigate your disputed claim and verify that there is a problem with the credit report information. If the creditor cannot prove that the information is correct, the entry must be removed with no questions asked. It is probably that it is just an error on their part and they will tell the reporting agency about it and it will be removed from your permanent record. Once the investigation is finished, and the changes are made, the agency will give you a copy of your credit report free so that you have proof of the changes that have been made.
There are errors that will occur in all stages of life and there is no surprise to learn that credit reports are not any different. Keep your temper low and deal with the mistakes. Your credit agency should take care of this and help you with no problems. It is your responsibility to take care of your credit and to review all the paperwork that you receive all of the time. If you do not go over them you may not even know if your credit score is being affected by these false entries.