Checking Your Report
You should make sure the
information in your credit report is correct. Not only is your
credit score based on this information, but lenders also review
this information in making credit decisions. Review your credit
report from each credit reporting agency at least once a year
and especially before making a large purchase, like a house or
car. To request a copy, contact the credit reporting agencies
directly:
- Equifax: (800) 685-1111,
www.equifax.com
- Experian (formerly TRW):
(888) 397-3742, www.experian.com
- TransUnion: (800) 888-4213,
www.transunion.com
If you find an error, the credit
reporting agency must investigate and respond to you within 30
days. If you are in the process of applying for a loan,
immediately notify your lender of any incorrect information in
your report. Your lender will need to reorder your credit report
and score once any changes have been made to your information at
the credit reporting agency. Small errors may have little or no
effect on your score. If there are significant errors, however,
the lender may disregard the score.
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