You can now read 10 articles in a month for free on BostonGlobe.com. Read as much as you want anywhere and anytime for just 99¢.

The Boston Globe

Business

Tips on disputing errors on your credit report

Disputing credit report errors can be complicated and frustratingly slow. But it is also necessary — to avoid paying more on loans and credit cards. Some tips:

Get your reports

You are entitled to a free report every 12 months from Experian, TransUnion, and Equifax. See annualcreditreport.com.

File a dispute

Continue reading below

Online at equifax.com, experian.com, or
transunion.com; by mail; or by phone.

Be patient

Credit bureaus must respond within 30 days. The credit bureau will contact the lender; if a fix is made, the lender must alert all three credit bureaus. The credit bureau must provide written results and a free copy of your report if there’s a change. This does not count as your annual report.

Contact lenders

Another option: Reach out to the lender and ask it to update the credit bureaus.

Contact the CFPB

Not getting anywhere with the credit bureaus? Try the federal Consumer Financial Protection Bureau; it accepts complaints from consumers who have trouble getting mistakes corrected.

Avoid credit-repair firms

Firms claiming they can improve a credit score or report for a fee can’t do anything you can’t do.

You have reached the limit of 10 free articles in a month

Stay informed with unlimited access to Boston’s trusted news source.

  • High-quality journalism from the region’s largest newsroom
  • Convenient access across all of your devices
  • Today’s Headlines daily newsletter
  • Subscriber-only access to exclusive offers, events, contests, eBooks, and more
  • Less than 25¢ a week