Then, send it to:
The credit scoring agency (Equifax, Experian, or TransUnion)
The details provider that offered the inaccurate information towards the credit reporting agency. These providers consist of banking institutions and credit card issuers.
The credit scoring agency (CRA) in addition to given information provider are responsible for fixing your credit file. This can include any inaccuracies or incomplete information. The responsibility to repair any mistakes falls underneath the Fair credit scoring Act.
If the written dispute will not have the mistake fixed, you can easily register a issue with all the customer Financial Protection Bureau (CFPB).
Negative Information in A Credit File
Negative information in a credit file may include general public records–tax liens, judgments, bankruptcies–that give understanding of your economic status and responsibilities.