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Week 11 Day 2. Correct Mistakes in Your Credit Report

December 7, 2017
Curb your splurge

Every year, you’re allowed one free credit report from each of the big three credit reporting agencies, Equifax, Experian, and TransUnion. December is a good time to order a report and check it for errors. You can stagger the reports by requesting one now, the second report in four months, and the third in eight months. That way you can get up-to-date reports and remain alert for errors or changes throughout the year.

To dispute an error on your credit report, contact in writing both the credit reporting company and the company that provided the information. Explain what you think is wrong and why, and include copies of documents that support your dispute. The Consumer Financial Protection Bureau provides instructions (PDF), template letters (PDF), and more information to help guide you in the process. #curbyoursplurge    


By Octavio Blanco, Last updated: December 01, 2017

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