Credit Reports - What if There is a Mistake?

Under the credit laws, both the company that provides information about your credit (such as a bank or credit card company) and the consumer-reporting agency (also known as a "credit bureau") that receives the information and sells credit reports must investigate your credit dispute. You can call the three credit bureaus that sell most credit reports to obtain a copy of your report or to file a dispute:

For information about your rights under the credit laws and the steps you can take to dispute an inaccurate or incomplete credit report, please visit the FTC's website on credit.