Use this Guide to help you correct mistakes on your credit history:Determine whether there are errors on your credit report that you may be able to correct.Contact the three the credit bureaus in writing about the error.Ask the credit bureaus to correct the mistake on your credit report. If you were denied by a company because of bad credit, ask the credit bureau t to tell the company about the correction. Click on words that appear like 'this' to learn what these words mean.]]> Select from the list below:]]> What type of credit bureau mistakes can I correct?You can correct the following types of credit bureau mistakes:You have paid a debt in full, but the credit bureau lists the debt on your credit report anyway. You owe a debt, but not as much as the credit bureau says you owe. Information on your credit report is more than 7 years old (If you filed a bankruptcy or Chapter 13 proceeding, that may stay on your credit report for 10 years). You have paid off a judgment, but the credit bureau's report still indicates the judgment was not paid in full. A debt on your credit report belongs to somebody else with your name or a similar name. Somebody forged your name to cash a check, get a loan, or buy something. You bought something that did not work properly. You owe the debt, but you have a legitimate excuse for not paying because you were sick or unemployed. ]]>What should I do if there is a mistake on my credit report?If you think that a credit bureau has wrong information in your credit report, you need to let the credit bureau know about the mistake. You can dispute mistakes with credit bureaus either online or by mail. Regardless of whether you dispute wrong information in your credit report online or by mail, if you were denied credit because of a mistake in your credit report, you will also want to ask the credit bureau to inform the company that denied you credit about the mistake. ]]>How do I dispute a credit report online?If you choose to dispute mistakes online, you can click on the links below to visit other websites where you can complete dispute forms:Equifax Online Dispute Option Experian Online Dispute Option Trans Union Online Dispute Option]]>How do I dispute a credit report through the mail?You can inform the credit bureau of a mistake in your credit report by creating a Credit Report Dispute Letter and sending it to the credit bureau. This letter lets the credit bureau know that it has made a mistake in your credit report.Clink on the link in the Forms section to go to the Letter to Dispute a Credit Report Interview, which will automatically prepare the letter for you. Please answer the interview questions accurately and carefully to make sure that your letter will be correct. You may then print the letter and send it to the appropriate credit bureau.]]>How do I inform the company that denied me credit about the mistake?If you were denied credit because of a mistake in your credit report, you will also want the credit bureau to inform the company that denied you credit by completing a Request to Furnish Notice of a Credit Report Correction Letter. This letter lets the company that denied you credit know that there was a mistake on your credit report. You have a right to ask for this.Click on the link in the Forms section to go to the Request to Furnish Notice of a Credit Report Correction Interview, which will automatically prepare the letter for you. Please answer the interview questions accurately and carefully to make sure that your letter will be correct. You may then print the letter and send it to the appropriate credit bureau and the company that denied you credit.]]>Where do I mail the completed forms?Send one copy of the Credit Report Dispute Letter and one copy of the Request to Furnish Notice of Credit Report Correction Letter by certified mail to the appropriate credit bureaus. Send one copy of the Credit Report Dispute Letter and one copy of the Request to Furnish Notice of Credit Report Correction Letter by regular mail to the company that denied you credit. Remember to keep copies of both forms for your records.Equifax Information Services LLCP.O. Box 740256Atlanta, GA 303741-800-685-1111ExperianP.O. Box 9595Allen, TX 750131-888-EXPERIAN (397-3742)Trans Union Consumer SolutionsP.O. Box 1000 Chester, PA 190221-800-916-8800]]>How can I order a credit report?Credit reports can be ordered online, by phone, or by mail from the following credit bureaus:EquifaxEquifax Information Services LLCP.O. Box 740256Atlanta, GA 303741-800-685-1111ExperianP.O. Box 9595Allen, TX 750131-888-EXPERIAN (397-3742)Trans Union Trans Union Consumer SolutionsP.O. Box 1000 Chester, PA 190221-800-916-8800]]>Can I get a credit report for free? Yes. You are entired to a free credit report for each of the nationwide credit reporting agencies (Equifax, Experian and TransUnion) every 12 months. Visit Annual Credit Report for more information. ]]> You may use these forms and instructions to help you solve your problem. ]]> 4540index.cfm?fuseaction=home.dsp_content&contentID=4540Letter to Dispute a Credit Report4542index.cfm?fuseaction=home.dsp_content&contentID=4542Letter to Credit Reporting Agency Requesting Them to Furnish a Notice of Credit Report Correction Following are step-by-step instructions to help you with your legal problem. You should print these steps and take them with you to use as a checklist.]]>Make Your Dispute Request to the Credit BureauYou can dispute the mistakes online or by mail:Make Your Dispute Request OnlineYou can dispute the mistakes online at each of the credit bureau websites.Make Your Dispute Request Through the MailYou can inform the credit bureau of a mistake in your credit report by creating a Letter to Dispute a Credit Report and sending it to the credit bureau. This letter lets the credit bureau know that it has made a mistake in your credit report.The Credit Report Dispute Interview will automatically prepare the letter for you. You can find this interview in the "Forms/Letters" section. Please answer the interview questions accurately and carefully to make sure that your letter will be correct. ]]>Ask the Credit Bureau to Inform the Company that Denied You Credit about the MistakeIf you were denied credit because of a mistake in your credit report, you will also want the credit bureau to inform the company that denied you credit by completing a Letter to Credit Reporting Agency Requesting Them to Furnish a Notice of Credit Report Correction. This letter lets the company that denied you credit know that there was a mistake on your credit report. You have a right to ask for this. The Letter to Credit Reporting Agency Requesting Them to Furnish a Notice of Credit Report Correction Interview will automatically prepare the letter for you. You can find this interview in the "Forms/Letters" section. Please answer the interview questions accurately and carefully to make sure that your letter will be correct. ]]>Mail the Completed FormsSend one copy of the Letter to Dispute a Credit Report and one copy of the Letter to Credit Reporting Agency Requesting Them to Furnish a Notice of Credit Report Correction by certified mail to the appropriate Credit Bureaus. Send one copy of the Letter to Dispute a Credit Report and one copy of the Letter to Credit Reporting Agency Requesting Them to Furnish a Notice of Credit Report Correction by regular mail to the company that denied you credit. Remember to keep copies of both letters for your records.Credit reports can be ordered online, by phone, or by mail from the following credit bureaus:EquifaxEquifax Information Services LLCP.O. Box 740256Atlanta, GA 303741-800-685-1111Equifax Online Dispute Option ExperianP.O. Box 9595Allen, TX 750131-888-EXPERIAN (397-3742)Experian Online Dispute Option Trans Union Trans Union Consumer SolutionsP.O. Box 1000 Chester, PA 190221-800-916-8800Trans Union Online Dispute Option ]]>Listed below are other articles that you may find helpful.Note: You may leave this page when you click on a link below.]]>1747index.cfm?fuseaction=home.dsp_content&contentID=1747Understanding Your Credit Score and Credit Report2547index.cfm?fuseaction=home.dsp_content&contentID=2547Am I Responsible for Unauthorized Charges on My Credit Card?2942index.cfm?fuseaction=home.dsp_content&contentID=2942Building a Better Credit Record3647index.cfm?fuseaction=home.dsp_content&contentID=3647Can I Get a Copy of All of my Credit Records?