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Planning to take a loan? It’s time to check your credit report and remove any incorrect information it contains. Request your credit report from any of the three credit bureaus — Equifax, Trans Union and Experian. Contact the credit bureau online or in person to inform them about the incorrect information in your credit report. Usually, the credit report comes with a form for reporting inaccuracies. Fill that form and mail it to the credit bureau. Also attach the copies of proofs supporting your claim with the form. Ideally, the credit bureau will investigate your claim and make corrections. But it may decide to maintain your report as it is. In such a case, you can continue to write to the bureau explaining your logic for the claim. This explanation should not exceed 100 words. The bureau will have to provide this information to any lender who requests your credit report in future. This can help the lender understand your side of the story. -
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