If you know your credit report has errors but are unsure as to how to get them corrected then you will want to read this article.  Specifically we will be discussing why there are so many errors in credit reports and what you can do to correct them.  After reading this article, you will know how to clean credit report errors!

The three credit bureaus (Experian, Trans Union and Equifax) are private companies whose business is to collect information.  They make money by selling this information to third parties, like lenders employers and insurance companies.  Each of the three credit bureaus maintains their own databases and they do not communicate with each other.  It would certainly be nice if Experian let Trans Union and Equifax know when they discovered an error in your report but this is not going to happen!  Additionally, the credit bureaus are not required to verify information prior to placing it in your credit file.  This means that unless you get involved, your credit file will remain a collection of unverified data.

So, what are your rights to correct your credit report and how do you do it?  Under the Fair Credit Reporting Act, information providers (creditors) must verify that an account is being reported accurately within 30 days of a consumer dispute.  If they fail to respond or fail to verify that the account is accurate then by law the credit bureaus are required to delete the account from your credit file.

Disputes can be done on the internet or by mail.  If you are serious about credit repair, the best thing that you can do is handle all of your disputes via certified mail.  This creates the paper trail that you need to move on to more advanced credit repair techniques like debt validation.

Now, it is time for you to clean up credit report errors in your file!