Correct inaccuracies on your Credit Report
If you notice any inaccurate information on your credit report, here’s what you can do about it.
Step 1 – Obtain your latest credit report
To know exactly what is reported on your credit report, register yourself and get your latest credit report from CTOS. The information on your report changes each month as we constantly gather and update credit information.
Step 2 – Know what can be removed
You can’t rid every negative notation from your credit file – credit reporting agencies like CTOS are obligated to report all credit information as long as it is accurate to the best of our knowledge and timely. So what can be removed?
- Wrong information (eg: an account you never opened, someone else’s name, or a judgment for a lawsuit you were never a part of)
- Outdated, negative information (eg: lawsuits, judgments, liens, foreclosures, bankruptcy, late payments, and charged-off accounts)
Step 3 – Fix inaccuracies