Once you order a copy of your credit report from an agency, you will receive with your report a form that will allow you to list each item by the account number and name of the agency that reported you. Once you find an error in your report, you can list the account number, the agency that is holding your account, and the details such as date of the record, etc. All you have to do is fill in the information to identify the account, then describe the error or dispute. Once the credit bureau receives the completed dispute form, they will investigate the error and correct it. This process takes about 2 - 4 weeks to complete.  A credit reporting agency must remove inaccurate information within 60 days of notification.

     Some agencies will allow you to call in once you receive your report, and list the errors to be corrected over the phone.

     Please note that, while information does travel between bureaus on a regular basis, you still should fill out a dispute form for each agency that the error is reported by.

Academy Credit  Academy Credit is an industry veteran with an impeccable track record, utilizing proven techniques to legally restore your credit. For $49.95 per month, you can retain our experienced staff of attorneys to remove your negative credit items.

[ Home ] [ Applying for a Loan ] [ Auto Financing ] [ Get a Credit Card ] [ General Loans ] [ Debt Consolidation Solutions ] [ Free Credit Report ] [ Credit Reporting Questions ] [ Correct Credit Report Errors ] [ Mortgage Lenders ] [ Buying Insurance ] [ Monitoring Your Credit ] [ Identity Theft ] [ Student Loans ] [ Filing Bankruptcy ] [ Privacy Policy ]