Online Personal Credit Reports & Credit Scores

Dear Audrey,

What is the best way to remove or correct a mistake on your credit report?

Greg T.

Dear Greg,

You're not alone in wanting to know more about disputing errors on your credit report. We receive a lot of questions about removing mistakes and old records from credit reports.

When you find an inaccuracy on your credit report, you should first investigate the details and find out what exactly is wrong. To begin the dispute process you should contact the creditor or lender responsible for reporting the mistake directly. Not sure of the contact information? You can find it at the bottom of your credit report under "Contact Information." If you can't make progress this way, you should send letters of dispute to the credit reporting agencies by certified mail.

Best wishes,

Audrey O'Dell