What If My Credit Reports Contain Errors?

If you believe that any one of your credit reports contains mistakes and you wish to dispute or correct the mistake, contact the company that developed the report.

Under the Fair Credit Reporting Act (FCRA), the company must complete an investigation, usually within 30 days. Within 5 days of completion, the company must provide you written notice of the results, including a copy of your credit report if it has changed based upon the dispute.

The Federal Trade Commission (FTC) enforces the FCRA and publishes brochures about credit.

To contact the FTC, call or write:

Federal Trade Commission
Consumer Response Center
6th & Pennsylvania Avenue, N.W.
Washington, D.C. 20580
Phone: (877) FTC-HELP or (877) 382-4357
www.ftc.gov 

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