How can I make sure that the creditors and credit bureaus are reporting only accurate information?
Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to investigate any dispute they receive and delete or update those accounts found to be inaccurate. In your case, the creditors, who are not even challenging the inaccuracy of the accounts, have already done much of your work for you. If you still have the letters of correction that the creditors sent you, make photocopies, and send them by certified mail to each of the three major credit reporting bureaus (Experian, Equifax and Trans Union) with a letter explaining that these accounts are inaccurate and must be corrected. If not, just write to the credit bureaus declaring that you dispute these items and request a reinvestigation. When the credit reporting agencies perform the reinvestigations, your creditors will inform them the information is inaccurate, and it should be corrected. Going to your creditors first was certainly a great idea, but you can speed up getting the inaccuracies removed from your
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- How can I make sure that the creditors and credit bureaus are reporting only accurate information?
