Credit Report Errors - What To Do
As a Delaware business attorney, I got into a discussion just yesterday about a person’s options when it comes to disputing items that are contained in a credit report.
The first thing you need to know is that there are 3 nationwide credit reporting agencies, Equifax, Experian and Trans Union. All 3 companies are required by federal law to give you a free copy of your credit report once a year. To obtain your free copy, don't contact the companies directly. That won't work. Instead, you can go to one central website, call a toll-free number (877-322-8228), or send in a written request to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Keep in mind that you can make one request for a free report to each of the 3 companies each year. So rather than making a request for reports from all 3 at the same time, you can spread your requests out over the course a year.
For more information, the Federal Trade Commission has brochures available for free online. They are Your Access To Free Credit Reports and How To Dispute Credit Report Errors.
