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A furnisher has an obligation to send notices to the other credit reporting agencies of any incorrect information. At your request, the credit reporting agency will send a “notice of correction” to any creditor who has checked your report in the last six months. If the information cannot be verified, the credit reporting agency must remove the information from your credit report.Usually, the credit reporting agency must complete its reinvestigation within thirty days from receiving your complaint and inform you of its investigation. The furnisher must research your claim and provide a response to the credit reporting agency. The credit reporting agency must contact the furnisher within five days and provide it with all relevant information regarding your dispute. Send the letters by certified mail and retain a copy of the materials you send.Identify each item in the credit report that you dispute and provide a brief explanation supporting your position.Attach copies of any credit card statements, receipts, etc.

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Include your full name and address and all information from the credit report regarding the contested item.

Submit a letter to both the credit reporting agency and the company that supplied the information to the credit reporting agency (the “furnisher”), stating that you believe the report contains inaccurate information.

To dispute information in your credit report:

If you believe that your credit report contains incomplete or incorrect information, you have the right to ask that the information be corrected.

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How to Correct Information on Your Credit Report Otherwise, a credit reporting agency may charge up to $9.50 for a copy of your credit report.

suspect that you have been or are about to become a victim of fraud, such as identify theft.

are unemployed and plan to apply for employment in the next 60 days.

have been denied employment or insurance in the past 60 days.

have been denied credit in the past 60 days.

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In addition, you are entitled to a free credit report upon request when you: Although many of these products are free, consumers should be aware that in some cases, if you don’t call to cancel the credit monitoring service within thirty days, you may be billed for a year of that service.

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Some companies offer a free credit report and a 30-day free trial of a credit monitoring service. Your report will be mailed to you within fifteen days.

Mail: Download the Annual Credit Report Request Form from the website above, and mail it to:.

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You will need to complete a verification process, and your report will be mailed to you within 15 days. For your security, and to ensure that you are using the authorized request form, this website should be used.

Online: Complete the request form on-line at You should be able to access your credit report immediately.

You can obtain your free credit report in three ways:

This may help you detect changes or verify new information and enable you to identify problems sooner than if all three credit reports are obtained at the same time. Many financial advisors suggest that you obtain one free credit report at a time, spaced equally throughout the year. New York State residents have the right to obtain a free credit report once every 12 months from each of the three major credit reporting agencies and specialty bureaus.

Statement of dispute – you or your creditors may have submitted a statement regarding an item on your credit report that is in dispute.

A list of entities that have requested a copy of your report in the last year (two years for employment purposes), including requests by creditors and yourself.

“Public” records – information from courts, including arrests and convictions, as well as information regarding bankruptcies, judgments and liens.

Credit history – information on loans or accounts with creditors, including medical providers, credit cards, credit limits or loan amounts, account balances, and payment histories.

Personal information – current and recent addresses, telephone numbers, Social Security number, birth information, and employer information.

Adverse (negative) credit history can generally remain on your credit report up to ten years. Your credit report contains personal and financial information about you from a variety of sources.