The information in your credit report is used to evaluate your application for credit, insurance, employment, and renting a home. Your credit report contains information about where you live, how you pay your bills, whether you’ve been sued or arrested, and whether you’ve filed for bankruptcy. Therefore, you should be sure the information is accurate and up to date. Additionally, monitoring your credit is one of the best ways to spot identity theft.
It is crucial that you check your credit report at least once a year to correct errors and to detect unauthorized activity. Once again, the information in your credit report affects whether or not you get a loan, and your interest rate when you do get a loan. The information also affects insurance, renting a home, and even getting a job. Therefore, you want to make sure the information in your credit report is accurate, complete, and up-to-date before you apply for a loan or a credit card, before you apply for a job, before you apply for insurance, and before you submit a rental application. Finally, monitoring your credit report will help guard against identity theft.
To dispute credit report errors, you should:
Experian P.O. Box 9556 Allen, TX 75013
Equifax P.O. Box 740241 Atlanta, GA 30374-0241
TransUnion Trans Union Consumer Relations P.O. Box 2000 Chester, PA 19022-2000
*Keep copies of your letter and supporting documents to all three credit reporting agencies, and to the original creditor or other information provider.
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