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If needed, consumers escalate to the creditor and then request corrected reports be sent to relevant recipients.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},279826,1790190319,{"code":4,"msg":82,"data":83},"success",[84,89,94,99,104,109,113,118,123],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":86,"show_sort_weight":87,"slug":88},11,"Presentations",90,"presentations",{"id":90,"doc_module":22,"doc_module_name":25,"category_name":91,"show_sort_weight":92,"slug":93},12,"Resumes",80,"resumes",{"id":95,"doc_module":22,"doc_module_name":25,"category_name":96,"show_sort_weight":97,"slug":98},14,"Invoices",70,"invoices",{"id":100,"doc_module":22,"doc_module_name":25,"category_name":101,"show_sort_weight":102,"slug":103},15,"Posters",60,"posters",{"id":105,"doc_module":22,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},16,"Social Media",50,"social-media",{"id":110,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":111,"slug":112},17,40,"forms",{"id":114,"doc_module":22,"doc_module_name":25,"category_name":115,"show_sort_weight":116,"slug":117},18,"Letters",30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},21,"Paper Templates",5,"papers-templates",{"id":124,"doc_module":22,"doc_module_name":25,"category_name":125,"show_sort_weight":4,"slug":126},158,"General","general-158",{"code":4,"msg":82,"data":128},{"doc_id":79,"user_id":129,"nickname":42,"user_avatar":130,"doc_module":22,"category_id":110,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":33,"language":136,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":12,"update_tm":140,"read_time":26},8796095360427,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","FINANCIAL FITNESS  \nFact Sheet  \nMarch 2002 FL/FF-15  \nFIXING MISTAKES IN YOUR CREDIT REPORT  \nBarbara R. Rowe, Ph.D.  \nProfessor and Family Resource Management Extension Specialist  \nUtah State University  \nEvery year millions of Americans use credit–to purchase a car, to acquire big-ticket consumer durables orto buy the home of their dreams. When they apply for credit, the lender will usually want to see their credit report. A credit report is a history or record of past payment performance. Consumers can get credit precisely because credit grantors can identify which consumers are likely to pay their bills. A credit bureau is a reporting agency that maintains credit records on individuals who have ever used or applied for credit. This information is then reported to subscribing credit grantors when consumers apply for more credit.  \nHow Credit Bureaus Work  \nCredit bureaus compile information from several sources. Some of this information comes from the application forms filled out by consumers and submitted to creditors. Also, each month, department stores, banks, mortgage servicing companies and other creditors send payment information about their customers to local or regional credit bureaus. In addition, employees of credit bureaus go to tax clerk’s offices and courthouses to copy records of bankruptcies, divorces, tax liens, and judgments onto credit reports. These millions of bits of information are then sent to the nation’s three largest credit reporting agencies, Equifax, Experian, and TransUnion.  \nWith so many pieces of information floating into the system, mistakes are bound to occur. Creditors and other contributors of information sometimes send in  \nerroneous data. Mistakes made by borrowers in filling out credit applications add to the misinformation. No one really knows how many errors reside in credit files. But a mistake in your credit record can make you ineligible for a loan, raise your insurance rates or cost you a job.  \nCredit reporting agencies  \nEquifax Credit Information Services P.O. Box 740241  \nAtlanta, GA 30374 1-800-685-1111  \n[http://www.equifax.com](http://www.equifax.com)  \nTransUnion LLC  \nConsumer Disclosure Center  \nP.O. Box 1000  \nSpringfield, PA 19022 1-800-888-4213  \n[http://www.transunion.com](http://www.transunion.com)  \nExperian (formerly TRW)  \nNational Consumer Assistance Center P.O. Box 2002  \nAllen, TX 75013 1-800-397-3742  \n[http://www.experian.com](http://www.experian.com)  \nFinancial Fitness ' Financial Fitness ' Financial Fitness  \nHow Errors Creep In  \nBasically, there are three categories of errors. First an error in the system, such as the computer not being able to determine if a Jack, John and Johnny at the same address are the same person. Next are typing errors, like someone entering a 7 instead of a 1. Finally, using nicknames, or using Bob and Robert on different loans, can give your credit record to someone else or saddle you with that of someone else.  \nPrecautions to Take  \nCredit experts suggest that consumers get a copy of their credit report annually to keep tabs on their financial status, or two months before a major financial transaction such as buying a house or car. To get a copy of your credit report, send a written request with your full name (including middle initial and generation such as Jr., Sr., III, etc.), current and previous addresses for the past five years (with verification of your current address such as a photocopy of a telephone or utility bill), with ZIP code, Social Security number, year of birth and spouse’s name. Check all three bureaus when you review your credit history because each one may keep different information than the other two.  \nAnyone who has been denied credit because of information furnished by a credit bureau must be given the name and address of that credit bureau by the user of thereport. Upon request of the consumer, the credit bureau must tell what information it has and how they received it. The bureau must also dis","cbCaicAH92WMp4vF","https://ap.wps.com/l/cbCaicAH92WMp4vF","pdf",277715,"English","# Fixing Mistakes in Your Credit Report\n## How Credit Bureaus Work\n## How Errors Creep In\n## Precautions to Take\n## How to Correct Errors","[{\"question\":\"What can cause errors to appear in a credit report?\",\"answer\":\"Errors can stem from system limitations, typing mistakes, and identity confusion such as mixing nicknames or similar names across loans.\"},{\"question\":\"How should consumers request and review their credit reports?\",\"answer\":\"Consumers are advised to obtain a copy annually or before major transactions, then check all three bureaus because each may hold different information.\"},{\"question\":\"What steps help correct inaccuracies in a credit report?\",\"answer\":\"Consumers should review the report, contact the credit bureau with a written explanation requesting verification and correction, and provide supporting documents. If needed, consumers escalate to the creditor and then request corrected reports be sent to relevant recipients.\"}]","FINANCIAL FITNESS - Fact Sheet - FIXING MISTAKES IN YOUR CREDIT REPORT | PDF",1789528108]