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Keeping Track of Your Credit Cred: Report Errors

According to a 2004 report by the U.S. Consumer Credit Restoration Association, 79% of the credit reports surveyed contained some kind of mistake. That’s a staggering number, especially given the enormous importance credit reports play in getting credit. Fortunately, most of the mistakes were fairly minor, but some were significant. Errors you might find on a report include listings for an account you never had or an incorrect address, Social Security number, or birth date.  Be sure to report errors to the credit bureau who issued the report. You’ll find an address and/or phone number on the report where dispute letters and calls can be directed.

The Federal Trade Commission has a helpful document on how to file a dispute and even a sample letter you can use.