Comments on: My Credit Report is incorrect. How do I go about fixing the discrepencies that are on it?

By: God

God — Wed, 07 Jan 2009 10:57:59 +0000

I don't care much but try this web link:
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http://www.experian.com/

By: SN

SN — Wed, 07 Jan 2009 10:24:59 +0000

write to the company you originally obtained your credit file from. They will take up the matter up with the relevant agency. Or you can dorectly contact the lenders and ask them to correct it for you.
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By: MSMORTGAGE

MSMORTGAGE — Wed, 07 Jan 2009 10:12:59 +0000

Even though you can "take care" of defaults or ccj's unfortunately they stay on your credit file for 6 years, once you get a ccj (satisfied) it is not removed – so in future don't bother paying them you don't get any brownie points for paying once they are ccj's in our credit scoring system. Sorry sweet your stuck with em until 2009.
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Mortgage Consultant

By: bostonianinmo

bostonianinmo — Wed, 07 Jan 2009 09:47:59 +0000

Follow the instructions from the credit reporting agency. When you pulled your report, it included detailed instructions on how to challenge incorrect items. Keep in mind that if you cleared a charge-off or paid off an overdue account that it will still show up on your credit report. It should reflect the status as paid, but the negative history will still be there for up to 7 years. You can't change that.
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By: Avatar the last airbender

Avatar the last airbender — Wed, 07 Jan 2009 08:59:59 +0000

Mosts credit reporting companies let you dispute items listed on your report. In many cases you can do this online. Just go to the website of the company that produced the report. Type in the report # and go through the stept to dispute an item. You can also call them. It is actually pretty simple.

https://www.annualcreditreport.com/cra/index.jsp

has a lot of good info

good luck
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By: wont_cook

wont_cook — Wed, 07 Jan 2009 08:33:59 +0000

Experian are the UK's biggest credit reference agency, they can give you a report and allow you to ammend it, just about all credit companies use this one to judge your credit worthyness.
http://www.experian.co.uk/
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By: Michele R

Michele R — Wed, 07 Jan 2009 08:22:59 +0000

As said write the letters, but in doing so, you need to make sure you keep copies of what you have done. Be aware of all that is on your credit report and what you have done to repair it. If you should ask for a loan and you are well versed as to its contents it will help not only in getting a loan but maybe the interest rate as well.

OH, also be prepared to write maybe more than just one letter, I in the past had to write several to clear up a matter with a company.

Good Luck!!
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By: super_star

super_star — Wed, 07 Jan 2009 07:40:59 +0000

You need to find out which credit reference agency the company who brought this to your attention used, then contact that credit reference agency and ask them to update their records.

If you don't do that, and you leave it, those things will be on your Credit Scoring for 7 years.

The Credit reference agencies, do not remove anything unless prompted to do so, by the individual.
References :
Been there, done that.

By: jill2006_g

jill2006_g — Wed, 07 Jan 2009 07:14:59 +0000

You need to provide evidence and send to the company that is holding the credit information and they should put it right.
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By: Chimp

Chimp — Wed, 07 Jan 2009 07:03:59 +0000

try http://www.checkmyfile.com
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