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What About Errors On My Credit Report?
If you have items that are showing up on your credit report that you know you have already paid, request that these items be removed by the credit bureau.  They are obligated to rectify this within 30 to 45 days.
Follow this procedure to correct errors on your credit report:
Make a copy of the report and circle the items you are questioning.  Keep your original copy for your own records. If there are items on your credit report less than two years old, if possible, send in your payment and mark the back of the check with the following notation: "Accepting this check is evidence that the transaction is complete and this charge will be deleted from my credit record."  If necessary, the cancelled check will be proof that the item should be promptly removed from your credit report if it interferes with the closing of your loan. Prepare a letter to the CRA that provided you with the report in question, and request to have the erroneous item(s) removed.  If you have proof of payment for an item in question, include a copy of that documentation. Prepare a letter to the creditor reporting the problem, especially if you are a victim of fraud or ... more

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