{"id":9861,"date":"2021-08-17T19:58:37","date_gmt":"2021-08-18T00:58:37","guid":{"rendered":"https:\/\/slls.org\/?p=9861"},"modified":"2023-09-05T22:29:35","modified_gmt":"2023-09-06T03:29:35","slug":"repair-or-dispute-your-credit-reports","status":"publish","type":"post","link":"https:\/\/slls.org\/en\/repair-or-dispute-your-credit-reports\/","title":{"rendered":"Repair Or Dispute Your Credit Reports"},"content":{"rendered":"
\n
\n
\n
\n
\n
\n
The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. <\/em>If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871<\/a><\/strong> or applying online here<\/a>.<\/span><\/strong><\/h6>\n

What if information against me on my report is true?<\/h3>\n

If there is true information on your report that is bad for you, credit bureaus can usually only report for 7 years.\u00a0 They can report bankruptcy information for 10 years.<\/p>\n

What if information on my report is not true?<\/h3>\n

If something is not true is on your credit report, you should contact the credit bureau(s) that list the mistake(s) and the business(es) it is listed for.\u00a0 The page here tells how to do it. Here’s how.<\/a><\/strong><\/span>\u00a0 Contacting them to say that the report is wrong is called a \u201cdispute\u201d.<\/p>\n

After you contact them to say it is wrong, credit bureau(s) must check what you question within 30 days, unless they decide that your dispute is frivolous.\u00a0 If they find it frivolous, they must give you a reason.\u00a0 Sometimes this may be that you need to give them more evidence.\u00a0 The credit bureau(s) will forward your evidence to the business(es) that gave the information.\u00a0 The business(es) then must check and report back to the credit bureau(s).<\/p>\n

If the credit bureau agrees with you after these steps your dispute is called \u201cresolved\u201d.\u00a0 If this happens, the credit bureau must tell you in writing and give you a free credit report.\u00a0 This does not count as your free annual report.<\/p>\n

You can also ask that the credit bureau send notices of the correction(s) to anyone who got your report in the past six months and to anyone who got a copy for job purposes during the past two years.\u00a0 If you ask, the credit bureau must send the updated reports.<\/p>\n

If the credit bureau does not agree with you after it checks, you can ask that your credit reports say that you disagree with the information.\u00a0 (This is called a \u201cstatement of dispute\u201d).\u00a0 Also, you can ask that the credit bureau give your statement to anyone who got a copy of your report recently, but you can be charged a fee for this.<\/p>\n

What to Do if a Company Takes Action Against You because of Your Credit Report<\/h3>\n

You can ask within 60 days of when someone denies you credit, a rental, insurance, a jog, or hurts you in some other way because of your credit report and can get another free credit report.\u00a0 The company must send you a notice that includes the name, address, and phone number of the credit bureau that they used\u00a0 You request the free credit report from that credit bureau.<\/p>\n

You are also entitled to another free report each year if:<\/p>\n