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Q. I've been reviewing my free credit reports from Equifax, Experian, and TransUnion. All three have errors in my previous address information. How important—and how easy—is it to correct that information?—Paul Forde, Trussville, AL
A. If information on your credit reports is incorrect, your file could have been combined with that of a person living at the wrong address listed, and you may have to pay a higher rate for credit cards and loans, or you may be denied credit altogether. Or worse, an error could signal fraudulent activity.
Technically speaking, credit-reporting agencies and the people and organizations that provide information about you to them should correct your report. The Federal Trade Commission suggests that you send notification of the discrepancy, in writing, to the agencies along with supporting information, such as an old bill that shows your correct former address. (You can see a sample letter at the FTC's website.) The agencies must investigate your request, usually within 30 days, then give you the results as well as a free copy of your credit report if the dispute results in a change. If you don't receive the info by then, you can file a complaint on the Consumer Financial Protection Bureau's website.
For related information check our Banking and Credit Guide.
Send your questions to ConsumerReports.org/askourexperts.
This article also appeared in the August 2015 issue of Consumer Reports magazine.
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