You have the right to see your credit reports from all three of the major credit bureaus. You also have the right to make sure everything in the report is correct. If there is an error, you have the right to dispute it.
According to the State of Wisconsin Department of Financial Institutions, to dispute information in your credit report, you need to contact the credit reporting agency in writing.
Information to include
In your dispute letter to the credit reporting agency, you will need to include your personal information and explain what entry you feel is incorrect and why. If you have evidence, you should include that as well.
What happens next
After you submit a dispute, the agency must investigate it. If it is unable to find evidence against your claims, it must remove the entry. The agency will have to verify completely that any debt or account listed is yours.
Once the agency completes the investigation, it must provide you a written explanation of the results. This should tell you the actions the agency will take. The agency must also alert any company you have requested credit from within the last six months. It must alert any employer you have provided your report to in the last two years.
If the agency finds a debt is valid, but you still disagree it should be on your report or you claim it is not valid, then you can write a personal statement to go on the report explaining your stance.
Ensuring your credit report is accurate is essential. You should check it at least once a year.