Credit Report Problems?

Problem with Your Credit Report?

Answer three quick questions to learn more about your rights and options.

Your answers to the questionnaire will not be recorded unless you decide to send the results to us by entering your email address or completing a form. Taking the questionnaire does not create an attorney-client relationship.

1. What type of credit reporting problem are you having?*
There are items on my credit report I don’t recognize.I recognize the items on my credit report, but have paid one or more of them off.Someone else’s accounts, such as a family member, are appearing on my account.Other.

Both the credit reporting agencies and those who furnish information to them have an obligation to investigate and correct inaccurate credit report entries if the consumer follows specified procedures for disputing the entry. If you’ve disputed an inaccurate entry and it hasn’t been corrected or removed in a timely manner, you may be entitled to monetary damages.

Let's find out where you are in the process.

2. Have you disputed any inaccuracies with the credit reporting agencies?*
YesNo

Congratulations on taking the first step toward resolving credit reporting errors and correcting your credit report.

Tell us what happened after you filed your dispute.

3. Have you received a response from the credit reporting agency or provider?*
The inaccurate information has been corrected.No, I never received a response and the item is still on my credit report.Yes, but the letter I received said the item was correct and would not be changed.

Disputing inaccuracies on your credit report is the first step toward correcting your report. If you’re prepared to send a dispute letter but haven’t yet done so, we can help—but, you’ll need to have a recent copy of your credit report to get started.

3. How old is the most recent copy of your credit report you have?*
Less than 30 daysMore than 30 daysI don’t have a copy of my credit report

Excellent! It’s great that you were able to get this issue resolved. You’ll have to stay vigilant, though. Often, deleted credit reporting items reappear after a few months. Be sure to monitor your credit report and take quick action if deleted items appear on your credit report again or corrected entries revert to the incorrect information.

Enter your email address below to receive a checklist for monitoring your credit report and ensuring that inaccuracies don’t come back to haunt you. From time to time, we'll send you additional tips for protecting your identity and ensuring that your credit report is accurate.

If it’s been more than 30 days since you sent your dispute letter and you haven’t received any response or seen any change in your credit report, it may be time to take the next step. Credit reporting agencies that fail to act on disputes may be liable for monetary damages.

Fill out the form below if you’d like to learn more about how we can help correct your credit report and perhaps pursue damages

The credit bureaus don’t always get it right—and they don’t always follow the required procedures. If you received a response saying that the item was verified and would not be corrected, but you know it’s not right, you still have options. One option may be to work with a consumer attorney to sue the credit reporting agency and/or the lender or other party that provided the inaccurate information.

Fill out the form below to learn more about how you can fight to clear your record, and perhaps even pursue monetary damages.

If you have a current credit report, you're ready to take the next step. Just fill out the form below to learn more about how we can help you resolve inaccuracies on your credit report.

You’ll need a recent copy of your credit report to take the next step.

To learn how to request your credit report right now and receive other tips and information about protecting your identity and keeping your credit report accurate, enter your email address below.