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● Incorrect balances.
● Duplicate accounts. This happens when charged-off accounts
are sold to other companies and they all report the same
amount.
● Late payments listed that you know were paid on time
● Wrong account ownership. You are showing as the owner when
you are only authorized
● Aged items. Items that are supposed to fall off are still hanging
around.
If you find errors on your report, file a dispute with the credit report
agency. You can file your dispute by phone, mail or online. The
best way to do so however, is via mail. This method is longer but
gives you the best options, especially for record-keeping.
Additionally, when you dispute online, the bureaus want you to
register and you become a target for their other services via your
email.
Use the following information to file your dispute for each bureau:
Transunion TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
800-918-8800
www.transunion.com/credit-disputes/dispute-your-
credit
Equifax Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256
866-349-5191
www.equifax.com/personal/disputes
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