Then, deliver it to:
The credit scoring agency (Equifax, Experian, or TransUnion)
The details provider that provided the inaccurate information to your credit agency that is reporting. These providers consist of banking institutions and credit card issuers.
The credit rating agency (CRA) plus the given information provider are accountable for fixing your credit file. This can include any inaccuracies or information that is incomplete. The duty to repair any mistakes falls underneath the Fair credit scoring Act.
Should your written dispute will not have the mistake fixed, it is possible to register an issue because of the Consumer Financial Protection Bureau (CFPB).
Negative Information in A Credit File
Negative information in a credit history may include records–tax that is public, judgments, bankruptcies–that give understanding of your monetary status and responsibilities.