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Disputing Information on Your Credit Report
Information that is not accurate can be corrected. To do this you need to contact both the credit reporting agency and the company that provided the erroneous information.
After you review your credit report, send a letter to the reporting agency to let them know what is inaccurate. A sample letter can be found at http://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report
Send your letter and copies of documents that apply to the information you feel is not accurate. Include a copy of your credit report and highlight your area of concern. Your letter should be sent by certified mail. Be sure to keep a copy of everything you sent.
If your dispute does not result in a change in your credit report, you will want to place a statement of no more than 100 words with your report. This statement lets you tell your story to explain to creditors the reason for the dispute, such as loss of a job, a medical problems or identity theft.