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Credit Report Agency

A credit report agency can be your best ally or serve as a terrible nuisance if you don't seek them out for help. If you find any inaccuracies with your credit report you should contact the credit report agency as soon as possible. The credit report agency is obligated to ask for a review of the information on your credit report. There must be a thorough investigation to determine if the information affecting your credit report is accurate.

When submitting information to dispute your credit report you should tell the credit report agency in writing what information you believe is inaccurate. Include copies of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your credit report from the credit reporting agency with the items in question circled.

The credit report agency will usually initiate an investigation within 30 days of receiving your information. Make sure you stay on top of the investigation so that you know exactly what the credit report agency is doing.

Depending on the credit report you get you should visit the credit report agency that is in charge of overseeing your credit file. A credit report agency can have several affiliates in your region of the country. You can find this information online. When you request a credit report from our home page you the information will point you in the right direction to find your credit report agency affiliate.