Your credit report contains important information about you. It generally includes facts about your identification data, your bill-paying habits, inquiries and public record information.

Credit bureaus compile and sell your credit information to businesses, which use it to evaluate your credit applications. Therefore, it is important that your credit report contain complete and accurate information.

Under the Fair Credit Reporting Act, you have the rights to dispute the completeness and accuracy of information in your credit files.

If you find information in your credit record that you believe is inaccurate, what you need to do is to complete the special investigation request form that comes with your credit report. Follow the form