Then, deliver it to:
The credit scoring agency (Equifax, Experian, or TransUnion)
The data provider that gave the inaccurate information towards the credit reporting agency. These providers consist of banking institutions and credit card issuers.
The credit scoring agency (CRA) while the given information provider are accountable for correcting your credit file. This consists of any inaccuracies or incomplete information. The obligation to repair any mistakes falls beneath the Fair credit rating Act.
If for example the written dispute will not obtain the mistake fixed, it is possible to register a issue because of the customer Financial Protection Bureau (CFPB).
Negative Information in A Credit History
Negative information in a credit history range from records–tax that is public, judgments, bankruptcies–that give understanding of your monetary status and responsibilities.