Errors on your credit report can cost you—higher interest rates, denied loans, even job issues. Here’s how to spot mistakes and get them fixed under the Fair Credit Reporting Act (FCRA).
Common Credit Report Errors
- Accounts that aren’t yours
- Incorrect balances or payment history
- Outdated personal information
- Duplicate accounts
What to Document
- Copies of your credit reports (from all three bureaus)
- Notes on any errors found
- Copies of dispute letters and responses
- Any supporting evidence (statements, emails)
Practical Checklist
- Request your free credit reports (annualcreditreport.com)
- Review for errors and mark them
- Dispute errors in writing with the bureau(s)
- Follow up and keep all correspondence
- Consult a consumer law attorney if errors aren’t fixed
Soft Call-to-Action
Think you’ve found an error on your credit report? Ginsburg Law Group can help you dispute mistakes and protect your financial future—get in touch for guidance.
