How do you challenge your credit report?

Answer 1

HI: My credit report had an address for sending a challenge letter. I think it was in real small print on one of the pages. Later, I looked on the web site of the credit company and there was a way to do it online. I really did not expect a positive result since we seem to have so little control over these credit reports. What a surprise many weeks later when I got a letter saying that the negative entry had been removed. I would try writing a letter to the company and explaining the mistake. In my case, a collection agency was sending me bills for an old dental bill that was not mine. I found out that they are required to send you documentation supporting their claim. I asked for documentation and they never sent it. Later, the unpaid bill appeared on my credit report. By the way, the government requires the big 3 credit report companies to provide us with a free annual credit report: https://www.annualcreditreport.com/cra/index.jsp Beware of websites that offer a free report if you sign up for a free trial of their credit protection. They wait until the free trial expires before sending the report and you end up paying for a month of 'protection'. Hope this helps.