How To Dispute Personal Information on a Credit Report

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Your credit report is one of the first things lenders, landlords, insurance companies, and even employers, can look at to learn about your financial history. What if it contains errors? 

A man named Michael wrote to the Equifax personal finance blog with a rather unique situation: 

"My ex-wives have very similar names (like Cristina & Tina) and they have the exact same last and middle names. Their credit reports got combined somehow. One of them thinks I did it. Not only did I not do it, I couldn't even if I wanted to. How/where do I get info to prove no one can change another person’s report?"

While Michael's predicament is a fairly unusual one, it prompted a discussion of how to correct errors on your credit report. To read the Equifax team's response, and to find out how to fix inaccuracies on your report before they cause bigger problems, read the full article at




Ilyce Glink is the author of several books, including 100 Questions Every First-Time Home Buyer Should Ask and Buy, Close, Move In!. She blogs about money and real estate at, The Equifax Personal Finance Blog and CBS Moneywatch She is Chief Content Strategist at, a community for real estate investor


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Charlie Ragonesi - Big Canoe, GA
Homes - Big Canoe, Jasper, North Georgia Pros

n this age where much of the crime now is about identity theft this post is really important and full of great information. Thanks for the post

Dec 02, 2010 01:17 AM #2
Anja Kerstens
Coldwell Banker Residential Brokerage - Morgan Hill, CA
GRI, CDPE, CHS, ASP, Selling Silicon Valley Real

Great information.  This short cut would help those who just don't know how to solve yet another problem in this day and age when applications for loans have been scrutinized. 

Dec 02, 2010 02:18 AM #4
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Ilyce Glink

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