How do I know if I’ve been the victim of inaccurate or outdated information on my credit report?

The first way to know if you’ve been the victim of inaccurate or outdated information on your credit report is to get your credit report and read it carefully. Under Pennsylvania credit repair law, you get a free copy of your credit report each year from each of the three major credit bureaus. Carefully review each report to ensure all the information is accurate and up to date. If you notice any discrepancies, such as wrong names, addresses, dates, accounts, or incorrect data, you should contact the credit bureau reporting the information right away. A second way to determine if you’ve been the victim of inaccurate information on your credit report is to review your credit score. Your credit score reflects the information in your credit reports, so if your score changes unexpectedly for the worse, it could be an indication that there is inaccurate or outdated information being reported. Finally, if you choose to utilize the services of a credit repair organization, you should be aware that under Pennsylvania credit repair law, they must provide you with a written contract outlining their services before beginning the process. This written contract should outline the cost of their services, the services they are going to provide for you, and any other pertinent information. It is important to read any contract carefully before signing to ensure that you understand what you are agreeing to.

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How do I know if I’ve been the victim of inaccurate or outdated information on my credit report?

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