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How to Correct Mistakes in Your credit Report



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By : Roby Hicks    99 or more times read

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When purchasing a property, the most important thing you need to check is your credit score. The credit score is vital because it is among the things that the lender checks when you apply for the loan. This is where he will base his decision to grant your application or reject it. Your score also affects the kind of mortgage term you are going to get. You will have better terms if you have high score.

You will encounter problems if your credit score is low. This is why you need to exert efforts to make sure that it is high. One of the reasons why your score is low is the wrong entries in your credit report. Many have encountered problems in their credit reports. Because of this, it is ideal that you check your credit report regularly.

In order to check this, you need to acquire a copy of your report. It is required by law that you be given a copy of it once in every 12 months upon request. Additionally, you are also entitled to a free copy of your report in certain instances. One is when you are not granted credit or your loan application is denied because of bad credit score.

There are different ways to acquire a copy of this. One is through phone call. Credit bureaus have toll free numbers you can contact. You can also email them or fill up a form called the Annual Credit Report Request.

Always keep files of your documents. This includes your receipts. It is essential that you keep a record of this so that you can attach supporting documents that will help correct errors in your report. Arrange them according to date so that it will be easier to find them when the need arise.

There are other people involved in the submission of your credit information to the various credit bureaus. This is why there are errors in your report. Once you identify errors, mark them right away. You can highlight them as well.

You can find a procedure on how to file a dispute at the back of your credit report. However, if you cannot find this, you need to make sure that you write a letter to the consumer reporting company. The letter should state clearly the errors you uncovered in the credit report. As mentioned earlier, highlight them and attach supporting documents. The documents should be arranged properly so that the receiver of the letter will not have a hard time looking for the transactions you are referring to. When mailing the letter, use a certified mail to ensure that the credit bureau receives it.

Correcting your report will not happen over night. The letters will be responded to within thirty days after the credit bureau receives it. Since the changes will not happen over night, it is important that you check it before you apply for a loan and correct the errors as soon as possible. This will ensure that you will not have problems when you need to apply for a loan.
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