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If you learn mistakes on the credit history, write a letter disputing the error and can include any supporting paperwork.

If you learn mistakes on the credit history, write a letter disputing the error and can include any supporting paperwork.

Then, deliver it to:

The credit rating agency (Equifax, Experian, or TransUnion)

The details provider that provided the inaccurate information into the credit agency that is reporting. These providers consist of banking institutions and credit card issuers.

The credit scoring agency (CRA) plus the given information provider are responsible for correcting your credit file. This consists of any inaccuracies or incomplete information. The duty to correct any errors falls underneath the Fair credit scoring Act.

When your written dispute will not obtain the mistake fixed, you are able to file a grievance because of the customer Financial Protection Bureau (CFPB).