How to Correct Errors You have the right, under the Fair Credit Reporting Act, to dispute the  completeness and accuracy of information in your credit file. When a credit reporting agency receives a dispute, it must reinvestigate and record the  current status of the disputed items within a "reasonable period of time," unless it believes the dispute is "frivolous or irrelevant." If the credit reporting agency cannot verify a disputed item, it must delete it. If your report contains erroneous information, the credit reporting agency must correct it. If an item is incomplete, the credit reporting agency must complete it. For example, if your file showed that you were late in making payments on  accounts, but failed to show that you were no longer delinquent, the credit  reporting agency must show that your payments are now current. Or if your file  showed an account that belongs only to another person, the credit reporting  agency would have to delete it. Also, at your request, the credit reporting agency must send a notice of correction to any report recipient who has checked  your file in the past six months. For those items in your credit profile which you feel deserve further  explanation (such as an account that was paid late due to the loss of job,  military call-up, or unexpected medical bills), you may send a brief statement to the appropriate credit reporting agency. The information will be placed on  your credit profile and will be disclosed each time your credit profile is  accessed.

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