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

If you find incorrect information on your credit report, your first step should be to contact the credit reporting agency. You can often do this online, by phone, or by mail. Be sure to provide any documentation you have regarding the incorrect information. The credit reporting agency must investigate your dispute within 30-45 days and provide you with a written notice of their findings. If the investigation confirms that there is inaccurate information on the report, the credit reporting agency must correct the information and send you a copy of the updated report. In the State of Washington, you also have the right to file a Credit Card Dispute Resolution with the Department of Financial Institutions. This process helps to resolve disagreements between consumers and creditors or credit reporting agencies if the dispute cannot be resolved using the dispute process outlined above. To file a Credit Card Dispute Resolution, you must submit a written dispute along with any supporting documentation. The Department of Financial Institutions will then investigate your dispute and contact the creditor or credit reporting agency to determine if there is an error in the credit report. If an error is found, the credit reporting agency must correct the information on your credit report and send you a copy of the updated report. It is important to remember that it is your right to dispute inaccurate information on your credit report. By taking the steps outlined above, you can ensure that your credit report is accurate and up-to-date.

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

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