- Three credit reporting agencies provide most consumer-related information in the US.
- Contact each CRA to correct incorrect information.
- CRA behavior is governed by the FCRA, a federal law.
BILL'S ANSWER
Most credit bureaus update their files every 90 days, or approximately quarterly. This does not necessarily mean that what you are seeking will show up in the next reporting cycle, as there are frequent delays in reporting.
Under the Fair Credit Reporting Act, all creditor can report trade line activity to each of the credit reporting agencies (commonly called credit bureaus). However, the credit reporting agencies must update and keep accurate data in their credit files. If there is erroneous information, you must notify them (typically through a certified letter) and then wait one reporting cycle (90 days) for the errors to be removed.
Three major credit bureaus offer credit reports. If there is something that you want added or removed, you should contact them directly:
| Equifax | Experian | TransUnion |
|---|---|---|
| 800-685-1111 | 888-397-3742 | 800-916-8800 |
| Equifax.com | Experian.com | TransUnion.com |
| File a credit dispute online at Equifax | File a credit dispute online at Experian | File a credit dispute online at TransUnion |
To get a hold of your credit report, contact one of these three bureaus. Each bureau interprets your credit information differently, so you might want to get a report from all three.
If you would like more information, please visit our credit resource page.
I hope this information helps you Find. Learn & Save.
Best,
Bill
Dix Hills, NY | April 24, 2011
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