When someone finds an error on their credit report, they usually only contact the credit bureaus.
Although this is the most effective way to immediately resolve the issue, you should in some cases contact the creditors whose account has caused the error on your credit report.
For example if you notice a credit card company has you listed as having late payments
when you paid on time, then it is time to contact the credit company and ask how to
resolve the problem.
The information reported about you to credit bureaus should be accurate – if it is not, then the credit company should work to make sure that they correct the problem so that it does not happen again.
You have an advantage in this – the credit company, unlike the credit bureau,
depends on your business for their money.
This means the credit company (or any other bill company presenting inaccurate information about you) is well motivated to correct the problem or risk losing you as a client.
If you find a company consistently reports inaccurate information about you to credit
bureaus, consider making a formal complaint to the company or switch companies.
There is no reason why one company’s poor organization should cost you your good credit score.
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