The company that has provided the incorrect information must correct the error, and notify all of the consumer reporting companies to whom it provided the inaccurate information. Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. One FREE credit report per year and available with subscription plans. Understand what can impact your ability to get credit. If you find information in your consumer report that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company, such as your lender. See how lenders may view your credit worthiness. How to dispute the information in your report Inquiries from creditors who have requested your credit reports when you apply for credit.Some public information like bankruptcies.Information from debt collectors including unpaid medical debt that is greater than 180 days delinquent from date of service, and past-due debt from cable and phone bills.Credit scores are usually calculated by taking the following into account: Payment history, credit utilization (or the percentage of your credit limits you’re using. Protect what you’ve built with Credit Lock Plus, and rest easy with up to 1MM in ID theft insurance. A credit score generally ranges from 300-850, and the higher your number, the better you look to a lender because it signals that you’re more likely to repay your debt on time. Discover your credit potential with powerful tools like CreditCompass TM. Information about your payment history as submitted by credit card companies, home and auto lenders (and leasing companies), and other creditors. See your credit score now and stay on top of it with updates available daily.Personal information, such as your name, date of birth, name(s) of loan co-applicants, as well as current and past residential addresses, phone numbers, and employer names. How to use this report Here's what's included in this report:
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