You may not think this is possible, but incorrect information can appear on your credit report. You may think, “There is no way a company the size of Equifax, or Experian, or TransUnion could get it wrong.” But they can-and they do! A study released by the U.S. Public Interest Research Group in June 2004 indicated that 79 percent of the consumer credit reports surveyed contained some kind of error or mistake!


First, note one very important thing: DOCUMENT EVERYTHIG YOU DO (dates and times of phone calls, names of people you spoke with, what they said, what your action was, etc.) when correcting an error on your credit report. Second, keep copies of everything you send them; do not send original documents-send copies. Third, remember to be aggressive and persistent, as the process may take a while(sometimes three to six months, or more).

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