Everyone should monitor their credit report, but it’s especially important if you’ve recently gone through a bankruptcy. If any errors arise, it can cause a significant setback in your newfound financial freedom. Fortunately, the law allows consumers to dispute misinformation found on a credit report. Here is a brief guide outlining how to correct any inaccuracies. 

Identifying Mistakes 

Request your report from all three major credit bureaus, as they often display different information from one another. Once you’ve received your reports, read them over for mistakes. Keep an eye out for everything from the misspelling of your name and wrong mailing address to unfamiliar accounts and late payments you know were made on time. It’s also essential to check for errors in reference to your recent bankruptcy.

Disputing Errors 

Should you spot an error on your credit report, you must take action to remove it. This involves filling out a dispute form with the reporting agency. Depending on which bureau it is, this may be done online or via mail. If sending documents by mail, make sure it’s certified with a return receipt requested. You will need to explain in detail what the inaccuracy is and provide supporting documentation. The more evidence you send, the easier it will be to prove the mistake.  

Incorrect information on your credit report can seriously hurt your score, detracting from all the effort you just put into filing bankruptcy. If you have any questions regarding your right to file a dispute, seek answers from legal professional John D. Wieser, Esq., PC. As the top bankruptcy attorney in Rochester and Buffalo, NY, he has helped numerous clients get back on track with their finances. Contact his office at (585) 328-0660, or visit him online to learn more about the bankruptcy services he offers.