{"id":352546,"date":"2016-12-09T15:03:46","date_gmt":"2016-12-09T20:03:46","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/credit-banking-finance\/how-to-fix-a-credit-report-error.html"},"modified":"2024-02-22T23:43:27","modified_gmt":"2024-02-23T04:43:27","slug":"how-to-fix-a-credit-report-error","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/how-to-fix-a-credit-report-error.html","title":{"rendered":"How To Fix a Credit Report Error"},"content":{"rendered":"\n
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How To Fix a Credit Report Error<\/h1>\n
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\n By FindLaw Staff<\/a> | Legally reviewed by Melissa Bender, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

You’ve just pulled a copy of your credit report for the first time in over a year. As you casually review it, you notice a minor error. Looks like your address is wrong. No problem, you think. You’ll just contact the credit bureau and have them fix it. But as you continue to peruse, you see a line of credit open for a department store you have never been to.<\/p>\r\n

How common is this? Very. According to a Federal Trade Commission<\/a> (FTC) study, one in four consumers identified errors on their credit report that might affect their credit. Fortunately, these can be fixed in most cases.<\/p>\r\n

Remember, you are entitled to an annual free credit report<\/a> from all three major credit bureaus<\/a> (TransUnion, Experian, and Equifax) at AnnualCreditReport.com. Take advantage of that right to learn more about your credit history. If you find an error, here is some general information on the credit dispute process<\/a> and how to fix a credit report error.<\/p>\r\n

Types of Credit Report Errors<\/h2>\r\n

Credit report errors can be categorized into three groups. Some errors are more benign, like having the wrong address on your report. Others can be much more damaging and lead to a low credit score, high interest rates, and a denial of credit. Types of errors include:<\/p>\r\n