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indentity theft protection

Country/Region china
Company lifelock limited
Categories Pipeline Valve
Telephone 1-800-416-0599
ICP License Issued by the Chinese Ministry
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    indentity theft protection

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    • Credit & Finance
    • How to Dispute a Credit Report Error in 5 Easy Steps

    How to Dispute a Credit Report Error in 5 Easy Steps

    Written by Alison Grace Johansen for NortonLifeLock
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    Errors on consumer credit reports can be a common occurrence. That makes knowing how to dispute a mistake on your credit report important. If you find something in your credit report that doesn’t belong there, here’s what to do.

    Step 1 Identify any credit report errors

    Review your credit reports periodically for inaccurate or incomplete information. You can get one free credit report from each of the three major credit bureausEquifax, Experian, and TransUniononce a year at annualcreditreport.com. You can also subscribe, usually at a cost, to a credit monitoring service and review your report monthly.

    Some common credit report errors you might spot include:

    • Identity mistakes such as an incorrect name, phone number or address.
    • A so-called mixed file that contains account information belonging to another consumer. This may occur when you and another consumer have the same or similar names.
    • An account incorrectly attributed to you due to identity theft.
    • A closed account that’s still being reported as open.
    • An incorrect reporting of you as an account owner, when you are just an authorized user on an account.
    • A remedied delinquency such as a collections account that you paid off yet still shows as unpaid.
    • An account that’s incorrectly labelled as late or delinquent, which could include outdated information such as a late payment that’s over 7 years old or an incorrect date regarding your last payment.
    • The same debt listed more than once.
    • An account listed more than once with different creditors.
    • Incorrect account balances.
    • Inaccurate credit limits.

    How an error on your credit report can affect you

    Is it really necessary to keep close tabs on your credit report? Can one error really have an impact on you? Yes. Your credit report contains all kinds of information about you, such as how you pay your bills, and if you’ve ever filed for bankruptcy. You could be impacted negatively by an error on your credit report in many ways.

    To start, it’s important to understand that credit reporting companies sell the information in your credit reports to groups that include employers, insurers, utility companies, and many other groups that want to use that information to verify your identity and evaluate your creditworthiness.

    For instance, if a utility company reviews your credit history and finds a less-than-favorable credit report, they may offer less favorable terms to you as a customer. While this is called risk-based pricing and companies must notify you if they’re doing this, it can still have an impact on you. Your credit report also may affect whether you can get a loan and the terms of that loan, including your interest rate.

    Step 2Contact the furnisher

    Your next step is to contact the furnisher, or the company that provided the erroneous information, which could be an entity like your bank or a utility company. Verify their records and confirm the error. You may be able to resolve the issue at this point. If the issue can’t be resolved, contact the credit reporting bureau directly.

    Step 3 Dispute Your Credit Report’s Errors

    Under the Fair Credit Reporting Act, both the credit reporting bureau and the company that reports the information about you to the credit bureau are required to accept disputes from consumersand correct any inaccurate or incomplete information about you in that report.

    The U.S. Federal Trade Commission (FTC) recommends taking these actions:

    • Tell the credit bureau, in writing, what information you think is inaccurate. The Federal Trade Commission provides a sample dispute letter that makes this step easier. The letter outlines what information to include, from presenting the facts to requesting that the error be removed or corrected.
    • Include copies, not originals, of materials that support your position.
    • Consider enclosing a copy of your credit report with the errors circled or highlighted.
    • Send your letter by certified mail with return receipt requestedto ensure the letter is delivered. Keep your post office receipt.
    • Keep copies of everything you send.

    Where to send your dispute letter

    Send your credit report dispute letter to the credit reporting bureau, as well as to the company that reported the inaccurate information about you.

    Step 4 Allow time for the investigation

    Credit reporting bureaus must investigate the disputed items. The process usuall

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