Your credit report is more than just a list of numbers — it’s the key to securing loans, renting an apartment, and even getting certain jobs. But what happens when your credit report contains errors? Incorrect information can lower your credit score and hurt your financial future. The good news is that you have the legal right to dispute these mistakes and get them corrected.
Common Credit Report Errors
Credit report mistakes can happen for many reasons, from clerical errors to identity theft. Some of the most common include:
- Accounts you never opened (often due to identity theft)
- Payments marked late that you actually paid on time
- Debts listed more than once
- Outdated negative information that should have been removed
- Incorrect personal information like your name, address, or Social Security number
Step 1: Get a Free Copy of Your Credit Report
You can request a free credit report from AnnualCreditReport.com once a year from each of the three major bureaus — Equifax, Experian, and TransUnion. Review each report carefully for mistakes.
Step 2: Dispute the Errors in Writing
If you find inaccurate information:
- Write a detailed dispute letter explaining the error and why it’s wrong.
- Include copies of any proof, such as payment confirmations or identity theft reports.
- Send your dispute via certified mail so you have proof of delivery.
The credit bureau must investigate and respond within 30 days under the Fair Credit Reporting Act (FCRA).
Step 3: Follow Up and Monitor Your Credit
After the investigation, the credit bureau will send you the results. If the error is fixed, your report should be updated. Continue to check your reports regularly to make sure the mistake doesn’t reappear.
When to Contact a Consumer Rights Attorney
If the credit bureau refuses to remove an obvious error or continues reporting false information, an experienced credit report attorney can help. You may be entitled to compensation for damages under the FCRA.
An attorney can:
- Force the credit bureaus to correct your file
- File a lawsuit if they fail to comply with the law
- Help you recover damages for harm caused by the error
Final Thoughts
Credit report errors can feel frustrating and unfair, but you have the power — and the legal right — to get them fixed. Act quickly, keep records of all communication, and don’t be afraid to seek legal help if the bureaus don’t cooperate.
Contact The Barry Law Office Today
Peter F. Barry, Attorney at Law
The Barry Law Office, Ltd
Office: (612) 379-8800
Email: pbarry@lawpoint.com
Licensed in Minnesota, Oregon, and Wisconsin.