Credit Report Dispute Letter
Your credit score is a tool businesses use to measure your creditworthiness - how likely it is that you will repay a loan. Equifax, Experian and Transunion each compile a report of your credit history to determine your credit score. Occassionally, there will be errors in your credit history that will adversely effect your credit score and your ability to borrow money.
You can access your free credit report online at www.annualcreditreport.com. (This is a free report that you are entitled by law to access from each company once a year. Avoid any option that charges you a fee for access.)
The first step in disputing this error is to give notice to the credit bureau that you believe there is an error in your credit history. Follow the link below to complete an interactive online interview that will allow you to create a letter to send to the credit bureau to give notice of this error.