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Steps to Fix Credit Report Errors

Fixing errors on your credit report is a process that requires diligence and attention to detail. Here’s how you can start:

1. Request Your Credit Reports: You're entitled to a free credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—once a year. Visit websites like AnnualCreditReport.com to obtain your reports.
2. Review Your Reports Carefully: Look for discrepancies in personal information, accounts that you don't recognize, and incorrect payment statuses. Pay special attention to accounts that could negatively impact your score.
3. Dispute Inaccuracies: If you find an error, file a dispute with the credit bureau that issued the report. You can typically do this online, by mail, or by phone. Provide documentation to support your claim.
4. Follow Up: Credit bureaus are required to investigate your dispute within 30 days. Make sure to follow up and confirm that the errors have been corrected.