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Under the Fair Credit Reporting Act (FCRA), both the company that reported your credit information and the three National Consumer Reporting Agencies (Equifax, TransUnion and Experian) must correct errors or any missing information in your credit report. The Consumer Reporting Agencies must investigate any disputes and provide feedback within 30 days.
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Fixing a credit report starts with seeing what's on it. You may get access for free online. Try a search for "free credit report." Alternately, when you are denied credit based on a report issued by a local credit reporting agency, you can request a free credit report from that agency within 30 days. A quick
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