Correct Your Credit History
You have the right, under the Fair Credit Reporting Act, to dispute the
completeness and accuracy of information in your credit file. When a credit
reporting agency receives a dispute, it must reinvestigate and record the
current status of the disputed items within a "reasonable period of time,"
unless it believes the dispute is "frivolous or irrelevant." If the credit
reporting agency cannot verify a disputed item, it must delete it. If your
report contains erroneous information, the credit reporting agency must correct
it. If an item is incomplete, the credit reporting agency must complete it.
For example, if your file showed that you were late in making payments on
accounts, but failed to show that you were no longer delinquent, the credit
reporting agency must show that your payments are now current. Or if your file
showed an account that belongs only to another person, the credit reporting
agency would have to delete it. Also, at your request, the credit reporting
agency must send a notice of correction to any report recipient who has checked
your file in the past six months.
For those items in your credit profile which you feel deserve further
explanation (such as an account that was paid late due to the loss of job,
military call-up, or unexpected medical bills), you may send a brief statement
to the appropriate credit reporting agency. The information will be placed on
your credit profile and will be disclosed each time your credit profile is
accessed.
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