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

If you spot an error on your credit report in Washington, it is important to take action quickly. The first thing to do is contact the credit reporting agency that issued the report and provide them with any evidence to support your claim. The agency is required to investigate your dispute and provide an answer within 30 days from the date you filed the complaint. You may also want to contact the creditor that reported the error to your credit report. If the creditor verifies that the information is inaccurate, then they must notify the credit reporting agency and any other credit agencies to which they reported the inaccurate information. In Washington, you may have some additional rights beyond those provided at the federal level. Washington law requires a creditor to investigate any disputes within 30 days of the dispute being reported. The creditor is also required to advise the credit reporting agencies to remove inaccurate or incomplete information. Finally, make sure to keep records of all correspondence and documents related to the dispute. You may need to provide this information in case you have to take legal action to fix or recover damages. Additionally, you are entitled to a free copy of your credit report from the credit reporting agency if the dispute was resolved in your favor.

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

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