What should I do if I spot an error on my credit report?

If you spot an error on your credit report, the first thing you should do is contact the credit agency in writing. Include your full name and address, the credit account number or reference number, and any documents that support your claim. In Indiana, the credit bureau must investigate and correct any errors you identify. They have 30 days to investigate the dispute and must inform all the relevant parties of the outcome. You should also contact the lender, creditor, or service provider who reported the error. Ask them to correct the mistake or to contact the credit bureau to correct it. You may also want to contact the Federal Trade Commission (FTC). The FTC is in charge of enforcing credit card laws, so they may be able to help you with your dispute. Finally, if the credit bureau or creditor has not corrected the error, you may want to file a lawsuit. This is an extreme measure, and it may be a better idea to speak to an attorney before taking this step. In Indiana, if your dispute was not settled favorably, the credit bureau must list the dispute in your credit report for two years. It may also be wise to keep a copy of all documents related to the dispute in case you need to take legal action.

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What should I do if I spot an error on my credit report?

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