What You Will See On Your Credit Report

Category: Finance.

What You Will See on Your Credit Report.

Each will show your current balance, and any balances outstanding at 30- 60- 90 days. Once you receive your credit reports from the three main Credit Bureaus, you will see listings related to your credit card, auto loans, mortgage, and any other existing credit sources. It will also show any past, paid off credit transactions, and other assorted, your address history information. Thoroughly review all of the information that is listed and compare it against your records. How to Find Errors. This may take some time but is well worthwhile. How to Dispute Errors.

Get a pad and note any discrepancies against your own records, or any listed creditors with whom you have never had any transactions. Once you have listed all the errors on the reports, you need to send a written" dispute" to the credit bureau( s) . Here are the addresses and websites for the Credit Bureaus to lodge a dispute: Equifax Credit Information Services, P. Box 740256, GA 30374, Atlanta. 1- 800- 685- 1111 Website: http: //www. equifax. com/ Experian- National Consumer Assistance Ctr. , P. Box 9701, Allen TX 75013. 1- 888- 397- 3742 Website: http: //www. experian. com/ Transunion Consumer Solutions, P. This consumer protection act requires that your dispute be investigated and expunged from your record. Box 2000, PA 19022, Chester. 1- 800- 888- 4213 Website: http: //www. transunion. com/ Fair Credit Reporting Act.

It is important to follow up until you receive confirmation of the correction, or notification from the Credit Bureau that they have verified with the creditor that the information is, correct, in fact. See Related Article entitled, "Fair Credit Reporting Act" .