What do I do if there are mistakes in my credit report?

When you find a mistake in your credit report, you should bring it to the attention of the credit reporting agency or agencies in writing. Each of the credit reporting agencies acts independently so you should check each agency's report for inaccuracies. Once you have challenged the accuracy or completeness of information contained in your credit report, the credit reporting agency must investigate your complaint at no cost to you. Federal law requires this investigation be completed within thirty days. The investigation may, however, be extended an additional fifteen days if, during the initial thirty day period, the consumer supplies additional relevant information for consideration.