What to Do If You Find an Error in Your Credit Report

Resolving a credit report error is crucial for maintaining your financial well-being. Here’s how to correct errors in your report.

Inform the credit bureau

Inform and provide the evidence you've gathered. Request that they investigate and correct the error. 

Contact the lender

Simultaneously, contact the lender associated with the error. Politely explain the situation and ask them to update your credit report. 

Remember, credit bureaus investigate disputes, while lenders correct mistakes and inform the bureaus.

Stay organised

Maintain a record of your communications and the evidence of error. This documentation helps if the error persists or if you need to escalate the matter.

Be patient and persistent

It may take some time for the credit bureau and lender to investigate and correct the error. Follow up to ensure they are making progress.

Build your credit score with Metra Trust Credit Cards. Enjoy exclusive rewards and benefits.