As a consumer, your credit score should be very important to you. Not only does it determine your purchasing power, but it also holds sway over many other areas of your life — but what if your credit score is wrong?

Perhaps you’ve heard the adage, “No one’s perfect.” Well, that also applies to the many models that determine your credit score.

How To Dispute Your Credit Report

In fact, one of the top complaints sent to the three major credit-reporting agencies is that there were errors on peoples’ credit report, according to a report by the Consumer Financial Protection Bureau.

What To Do If You Find Errors On Your Credit Report

It’s no wonder people are complaining: Credit scores affect everything from your insurance policies to whether you can rent an apartment.

If you find an error on your credit report, you need to dispute it with the credit bureau and the business that reported the information.

You’ll have to reach out to the business directly. Here’s how to contact each major credit bureau:

How To File A Dispute With Equifax, Experian and TransUnion

The credit bureaus also let you submit supporting documents online as well. If submitting by phone, the representative will tell you what they need and how to get it to them.

Remember: Keep your original documents. Only submit copies to the credit bureaus.

After you’ve submitted your dispute, the credit agency will notify you in writing. If changes are made to your credit report, you will receive a free one in the mail, according to the Fair Credit Reporting Act.

What If Your Dispute Is Not Resolved To Your Satisfaction?

In many cases, disputes may not be able to get handled the way you want them. Here are some options that consumers have:

  •  File a complaint online with the Consumer Financial Protection Bureau. You can call them at 855-411-2372.
  • To elevate the situation, contact your state Attorney General.

Finally, if a particular company or business has made crucial mistakes resulting in damage to your credit, you may want to stay away from them.

Sites like the Better Business Bureau, Consumer Reports and even Yelp may help you gauge a company’s reputation.

Metro Atlanta has a hot economy and that means employers are hiring at a rapid pace. 
 
If you’re looking to get hired in Atlanta right now, there’s a very real possibility that you can land your dream job.

Interested in other ways to save or make money? Check out our Money Section:

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