Get a copy of your credit report from each of the three credit agencies: TransUnion, Experian and Equifax. These reports have to be no more than 90 days old, according to Bankrate. By law, you can order a free copy from each credit bureau every 12 months.
Review all three credit reports. A credit report usually lists each of your accounts in the "Account Information" section. It contains details such as the type of account, the date you opened it, the balance you owe on the account and whether you missed any payments. Check for inaccuracies.
Call the company that provided the inaccurate information and explain the problem. The company may admit the mistake and update or correct it. The company may also provide you with the supporting document you need to resolve the problem with the credit bureaus.
Write a letter to each of the three credit bureaus. The bureaus let you file online disputes, but MSNBC advises against using these online forms because they encourage the bureaus to automate your dispute. Identify yourself by providing your name and Social Security number. Describe the inaccurate information and provide supporting documents. Include your contact details and send the letters by mail with return receipts.
Make two copies of your letter. Keep one for your record and send the other one to the company that provided the credit bureaus with the inaccurate information. Again, send the letter by mail and request a return receipt.