Here are some steps you can take to correct errors on your report. Remember to document everything you do (dates and times of phone calls, people you spoke with, what they said, what your action was, etc.), and keep a set of copies of everything you send them. Never send original documents, only send copies. The first letter should include your name, address and explain what is incorrect and why. Tell the facts and request a correction. Also include a copy of your report with the incorrect information circled. Send it certified mail so you know it was received. The credit reporting agency legally has 30 days to investigate your claim.  Keep notes of conversations and any actions that were taken as a result. After this amount of time, call the customer service department.

When you get a written response from the credit agency, you’ll also receive a new copy of your credit report. If any information is changed on the report, the CRA cannot change it back unless the creditor provides proof that it was accurate. Be aggressive and persistent. Find out the creditor’s side of the story.  If you fail to take action then your credit score will suffer and any applications such as applications for car finance may be refused.