Everybody makes mistakes, and the nation's three big credit companies—Equifax, Experian and TransUnion—are no exception. The credit reports processed by these companies (which include information about where you live and how you pay your bills) affect your ability to get loans and credit cards.  There are steps you can take to prevent and fix credit report mistakes and errors.

Get started Start Your Letter to Request a Credit Report Answer a few questions. We'll take care of the rest.


First, take advantage of your right to a free yearly credit report from any of the three credit reporting companies, and send them a Letter to Request a Credit Report. Go over your report thoroughly, making sure that everything is familiar and pertinent to your credit. If you do find an error, contact the credit reporting agencies immediately and from that point forward be very meticulous with your record keeping, since it's possible that a dispute could end in a lawsuit.

To fix mistakes on your credit report, write a Credit Report Challenge detailing the disputed information, and make a copy for your records. Enclose information verifying your claim within your credit report challenge letter. For example, if the credit companies state that you have a credit card that you started in 1978, that you haven't paid anything for since 2002, and you were born in 1980, you have a pretty good claim that they have made a mistake on your credit report. Most mistakes are easily fixed as long as you take the time to notify the company of the error. Just be vigilant and patient, and you can protect your credit score.

Monitoring your credit doesn't have to be stressful: create the documents and forms you need with Rocket Lawyer's easy online interviews.

Get started Start Your Letter to Request a Credit Report Answer a few questions. We'll take care of the rest.

Get started Start Your Letter to Request a Credit Report Answer a few questions. We'll take care of the rest.