Disputing Errors on Credit Card
Nick Vance Date: May 11th, 2018 8:00 AM
OBTAIN CREDIT REPORTS
o You are entitled to a free copy of all three credit bureaus once annually.
o Monitor your credit reports every year to maintain their accuracy.
§ Equifax
FACT CHECK CREDIT REPORTS
o Read over your entire credit report from all three bureaus.
o Ensure you understand everything you read & that all entries are correct.
IDENTIFY MISINFORMATION
o Circle or highlight any information that doesn’t seem to be correct or current.
o Gather evidence or documentation that proves that the information is inaccurate.
DISPUTE MISINFORMATION
o Dispute all misinformation that you find immediately.
o Contact the creditor or the credit bureau to begin an investigation into the misinformation.
FOLLOW UP ON DISPUTES
o Follow up with whoever you contacted if you don’t receive an answer within 30 days.
o Contact the credit bureau if your creditor doesn’t address the issue.
Monitor Credit Reports
o Continue to monitor your credit reports at least every year at a minimum.
o Comb over the documents for factual inaccuracies often to keep your credit in the best standing.
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