You can now read 5 articles in a month for free on BostonGlobe.com. Read as much as you want anywhere and anytime for just 99¢.

Red Sox Live

0

0

▼  3rd Inning 2 outs

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.

Loading comments...
Subscriber Log In

We hope you've enjoyed your 5 free articles'

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
Marketing image of BostonGlobe.com
Marketing image of BostonGlobe.com
Already a subscriber?
Your city. Your stories. Your Globe.
Yours FREE for two weeks.
Enjoy free unlimited access to Globe.com for the next two weeks.
Limited time only - No credit card required!
BostonGlobe.com complimentary digital access has been provided to you, without a subscription, for free starting today and ending in 14 days. After the free trial period, your free BostonGlobe.com digital access will stop immediately unless you sign up for BostonGlobe.com digital subscription. Current print and digital subscribers are not eligible for the free trial.
Thanks & Welcome to Globe.com
You now have unlimited access for the next two weeks.
BostonGlobe.com complimentary digital access has been provided to you, without a subscription, for free starting today and ending in 14 days. After the free trial period, your free BostonGlobe.com digital access will stop immediately unless you sign up for BostonGlobe.com digital subscription. Current print and digital subscribers are not eligible for the free trial.