The whole point of getting your credit report is to know what is being reported about you. Moreover, to make sure what is being reported about you is accurate. Consumers might not realize the potential for errors in reporting is pretty large. And even one inaccuracy can effect your credit standing, make reviewing your 3 in 1 credit report for errors one of the best ways you can maintain good financial well being.

What happens if you find a credit report error?

If you indeed review your credit report and find an error, You need to dispute the error with the appropriate credit bureau. This is done by visiting the credit bureau’s website and completing their online dispute form. Here is a list of the three major credit bureaus and links to their dispute forms:

• Experian
• TransUnion
• Equifax

If online preferred method to dispute the error(s), you can call your mail in your dispute to the credit bureaus.

After Your Dispute is filed

After you dispute an error, the credit bureau has 30 days to investigate the dispute. This usually includes contacting your account to verify the accuracy. If the account states the states it as valid, it will stay on your credit report. If the item is removed, the credit bureau must provide the consumer a new credit report with the item removed.

If the item is not removed and you must then must attempt to contact the account and dispute the error with them. Also, each of the links above will lead to some method to check your dispute online.