Correcting Credit Report Errors

Mortgage and Lending with Diamond Residential Mortgage Corporation 031.0016549 NMLS#219299

Correcting Credit Report Errors

If your clients' credit ratings are suffering because of mistakes on their credit report, it is their right to have them corrected at no cost. Credit bureaus are legally required to investigate disputed information by contacting the creditor that originally supplied them with the information. Keep in mind that the three major credit bureaus — Experian, Equifax and Trans Union — usually have the same information for each consumer file, but not ...always. Your clients need to contact only the bureau that shows an error.

Factual information cannot be removed from a credit report, and the credit bureaus will not automatically remove information from your clients’ reports just because they dispute it. Your clients have to prove that information is wrong with supporting documentation before a credit bureau will correct a report. Under the Fair and Accurate Credit Transaction Act (FACT Act), a credit bureau must remove or modify a disputed item within 30 days if it is found to be inaccurate, incomplete, or unverifiable after a reasonable investigation.
Contact information for the three major U.S. credit bureaus:

P.O. Box 2002
Allen, TX 759013
(888) 397-3742
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111
Trans Union
P.O. Box 1000
Chester, PA 19022
(800) 888-4213

At, your clients can request a free credit report once every 12 months from each of the credit-reporting companies listed above.




Posted by



"Wealth is what you accumulate, not what you spend." 

With Respect; 

William Piotrowski

Mortgage Originator  
Originator License # 031.0016549
N.M.L.S #219299 


582 Oakwood Ave

Lake Forest IL 60045



E.fax (888).845.2691


State License NMLS FaceBook  Truila




This entry hasn't been re-blogged:

Re-Blogged By Re-Blogged At
Lending / Financial
Illinois Du Page County Naperville Westglen
Active Rain Newbies
Chicagoland and Northern Illinois Real Estate
Illinois Real Estate
correcting credit report errors

Post a Comment
Spam prevention
Spam prevention
Show All Comments
Harry F. D'Elia III
RentVest - Phoenix, AZ
Investor , Mentor, GRI, Radio, CIPS, REOs, ABR

I believe we all can do better on our credit scores.

Jun 29, 2016 11:04 PM #1
Post a Comment
Spam prevention
Show All Comments

What's the reason you're reporting this blog entry?

Are you sure you want to report this blog entry as spam?


William Piotrowski

Ask me a question
Spam prevention