Credit Report Errors And How To Correct It

When I got my credit report about a year ago from Equifax, I have noticed several errors on it. On my credit report, there are some credit card accounts which do not belong to me. It has also indicated that I have a middle name while I do not. Obviously, the report from Equifax has mixed my file with others. I immediately check my credit report from Transunion. Not surprisingly, I have found the same errors on it. Clearly, I do not want somebody else’s record, good or not, on my credit report. Therefore, I make a request to correct those errors from both credit bureaus. If you have found errors on your credit report and would like to correct it, here is how you can do it:
First of all, you need to fill out the Consumer Credit Report Update Form.In the form, you need to fill in the information such as your name, current address, date of birth, any credit accounts with errors and the reasons for investigation.

After all information have been filled, you need to provide two pieces of valid identification including the proof of your current address. Some commonly used are copy of your driver’s license and the bill from you utility company.

Once you have the form filled out and all necessary supporting documentation ready, you can mail them all together to the following address:

National Consumer Relations
P.O. Box 190, Station Jean-Talon,
Montreal, Quebec H1S 2Z2
Facsimile: (514) 355-8502
Tel:1-877-323-2598 (514-493-2598)
Email: consumer.relations@equifax.com

Depends on where you live, you should receive the acknowledge from the credit bureaus about receiving your request within 1-3 weeks. The total investigation process will take about 2-4 weeks. After the investigation, Equifax/Transunion will send you an update copy of your current credit report. You should check it over and make sure there is no more errors.

If you have any questions, please feel free to leave me a comment. If you like this post, please share it by clicking on “Share This” button below.