What if I find something wrong with my credit report?

I found something from about 5 years ago when I was under 18 on my credit report. This is impossible since I was under 18. It was an unpaid Sprint bill for several thousand dollars. How do I get this off my credit report?

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Answer #1

It’s actually fairly common to find errors on credit reports!

This is what you should do:

If you find an error, the Fair Credit Reporting Act requires credit bureaus and organizations that provide information to them to correct the mistake. But you have to get the ball rolling by requesting an investigation.

You can file a dispute online, by phone or by certified letter. A letter should include:

* Your complete name, address, date of birth and social security number.


* The name of the company you have a dispute with and account number of the disputed item.


* The reason for your dispute, any corrections to your personal information and a request for correction.

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What if I find something wrong with my credit report?

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