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If you find errors in your credit report, contact the reporting agency and the creditor that provided the information. The credit report should contain instructions about disputing information contained within the report. It is very important to contact both the reporting agency and the creditor.
Provide information and documentation supporting your dispute. Then you need to wait to see if the creditor will remove or amend the item in dispute.
The credit reporting companies and the entities that provide information about you are responsible for correcting errors on your report. Use this sample dispute letter and learn more about credit report disputes on the FTC website.
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