Send a letter to Equifax, Experian, and TransUnion. Explain what the error is and why it’s wrong. Challenge the information with the credit bureau first. A rapid rescore can cost between $25 and $50 for each account on each report.
The spouse or executor of the estate may request the deceased person’s credit report. Utility companies can also request your credit report.
When your creditors send updates to the bureaus, they’ll include your new information. You can request a free report once every 12 months.
Late payments can be removed if reported inaccurately. Most credit card issuers report to the three agencies. The information does not update in real time. You’ll need to work with a creditor that provides rescoring services. Contact your creditors to correct errors quicker than filing disputes. Send supporting documentation, but never originals.
You may see your report within 60 days of being denied credit. If you spot an error, dispute it within 30 days.
How to Update Your Credit Report
To update your credit report:
- Send a letter explaining the error to Equifax, Experian, and TransUnion.
- Challenge the information with the credit bureau before taking legal action.
- Consider a rapid rescore if you need quick changes, keeping in mind the associated costs.
Requesting a Free Credit Report
You’re entitled to:
- One free report from Equifax, Experian, and TransUnion each year.
- Access to your report within 60 days after being denied credit.
- Dispute errors within 30 days of noticing them.