How to Fix a Credit Report Manually

The Fair Credit Reporting Act requires each credit bureau to provide you with a free credit report at least once a year. If you seen an error on your credit report, you should contact your credit reporting company in writing and dispute the error. Credit reporting companies are usually required by law to investigate your claim within 30 days of receiving notice, according to the Federal Trade Commission.

Instructions

1

Send the credit reporting company that you got your credit report from a letter in writing listing what you think is inaccurate. Enclose a copy of your credit report and circle the items that you want to dispute. Include copies of documents that can back up your claims, but never send originals. State your name and address and explain why and which errors on your credit report you want to dispute in detail. Ask the credit reporting company to fix or remove these errors as soon as possible in your letter.

2

Send your letter by certified mail with the "return receipt requested" option at the post office. This helps keep a record of what you've sent to the credit reporting company about your dispute.

3

Wait for the credit reporting company to give you the results of its investigation in writing. It must also provide you with a free copy of your credit report after the investigation is complete. If it agrees that an error was made, it will change or remove the error from your credit report.