By Mary Guimont
The Fair Credit Reporting Act (FCRA) requires the three credit reporting agencies, Equifax, Experian and Transunion to give you your credit report for free at your request, once every 12 months. Get your annual report here: https://www.annualcreditreport.com/index.action
A credit report shows debts you owe, how you pay your bills, if you rent or buy your home, where you live. It will show if you have been sued or have filed for bankruptcy.
It is a good idea to request your credit report from these agencies because of fraud. Your credit report will show all debts that you owe and if you see one that is not correct. You can dispute it to have it corrected or removed from your credit report.
How do you dispute a debt that is not yours on your credit report?
You should send a letter to the credit agency that has the debt. In the letter, clearly explain each item you are disputing and why. You should ask that the information be removed or changed. You may want to enclose with the letter a copy of the credit report. On the copy of the credit report circle each item that is incorrect. Send this letter certified: " return receipt when delivered"
Here is a sample letter you can send
.http://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report
It is a good idea to request your credit report from these agencies because of fraud. Your credit report will show all debts that you owe and if you see one that is not correct. You can dispute it to have it corrected or removed from your credit report.
How do you dispute a debt that is not yours on your credit report?
You should send a letter to the credit agency that has the debt. In the letter, clearly explain each item you are disputing and why. You should ask that the information be removed or changed. You may want to enclose with the letter a copy of the credit report. On the copy of the credit report circle each item that is incorrect. Send this letter certified: " return receipt when delivered"
Here is a sample letter you can send
.http://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report
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