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Making a Credit Report Challenge
If you need to challenge something on your credit report, you can use a Credit Report Challenge. As your credit score is crucial when a creditor is deciding if you're loan-worthy, you can use a Credit Report Challenge to help ensure that your score remains accurate.
Use the Credit Report Challenge document if:
A Credit Report Challenge can be used when you discover an error on your report. For example, perhaps you paid off that old video rental account years ago, and one of the credit reporting bureaus is still reporting it as overdue. You can use this document to provide as much information about your specific situation as you can. The credit bureau is then required to investigate your case (at no charge), and must correct any mistakes or remove any information that it can't verify.
There are three separate credit reporting bureaus, and you have to make sure your information is correct on all of them. If you encounter a mistake you can use a Credit Report Challenge to help correct it.
Other names for this document: Credit Report Challenge Letter, Challenge Credit Report