What should I do if I find incorrect information on my credit report?

If you find incorrect information on your credit report, it is important to act quickly. In Minnesota, credit card dispute resolution law requires you to act within sixty days of noticing the inaccuracy. The first step is to contact the original creditor or collection agency that is reporting the inaccurate information. Give them details about what is wrong, and ask them to correct or remove the information from your report. If the creditor does not take action, you can file a dispute with the credit reporting agency. You can do this online, or by mail, and it is important to include any documents that support your claim. Include any evidence that you have of the information being incorrect. Credit bureaus are required by law to investigate your dispute and respond within 30-45 days. Finally, if the credit bureaus do not take action, or if you are still unhappy with their response, you can file a complaint with the Minnesota Department of Commerce. The Department of Commerce can help you to mediate the dispute with the credit companies. No matter what, it is important to stay organized and document all of your efforts, as this can help you in any potential legal action that you may decide to pursue.

Related FAQs

How do I stop debt collectors from calling?
What is credit card dispute resolution law?
What are the most common types of credit card fraud?
How much does it cost to dispute a credit card charge?
What can I do if I am charged late fees for my credit card payments?
How should I respond to a chargeback?
What is debt settlement and how does it work?
What should I do if my credit card company denies my dispute claim?
Can I negotiate with credit card companies?
What are the laws on credit card debt collection?

What should I do if I find incorrect information on my credit report?

Related FAQs

Related Blog Posts