How to Update a CreditKeeper Credit Report

CreditKeeper is a "comprehensive program that provides you with the tools to take control of your credit," according to its website. Users pay a monthly fee for the service to monitor their credit reports through the three major credit reporting agencies, be able to correct errors found on their reports, and learn ways to improve their credit rating overall. Some of the features subscribers can take advantage of include tracking their progress from month to month and immediate alerts should a transaction seem out of place.

Instructions

1

Access your CreditKeeper membership by visiting its website. Login using your username and password.

2

Verify that you are in your account by checking your personal information at the top of the page. Select the option to view your credit report. Download your credit report to your computer's hard drive. Open and review the file. You can verify the last time it was updated by looking for the last month reported under an account on your report. Many users on Internet forums have posted that it takes between one to three months for CreditKeeper to update a report. However, the CreditKeeper website's Frequently Asked Questions section states it updates your credit report every month.

3

Call CreditKeeper's customer service line at 877-276-3919 or e-mail service@mycreditkeeper.com if your credit report has not been updated recently. Ask the representative why your report isn't being updated. Request an update be made within 48 hours, and check your account again after that deadline has lapsed.

4

While in your account -- on the website -- if you spot errors that need to be fixed or updated on your credit report, select the option to correct your report. Use the pre-formatted letter to dispute errors with the credit reporting agencies, or contact one of CreditKeeper's experts by selecting the option. Submit your dispute or correction and wait for a reply. Most credit report disputes can take up to two months to be addressed.