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General Credit Report Mistakes
Occasionally, your credit report may contain a general once-occurring mistake. This is generally the best type of error to have on your credit report, as it does not signify anything significant and can be easily fixed.
Simply alert the credit bureau that a mistake has been made and ask for the error to be corrected. Then, follow up to make sure that the correction has been made. Almost all credit report clients face this type of mistake sooner or later, which is why checking a credit report is so important.
Wrong Address Mistakes
Sometimes, when you move, a company will continue to send bills to your old address. Often, this is caused by a flaw in a computer system or by poorly organized company policy. When you move, it is important to get a mail forwarding service from your post office. It is also important to contact every company you do business with to switch your address. In fact, you may want to call back every company in a week or two just to confirm that your address and file have been updated.Mistakes Caused by Computer GlitchesSometimes, computers make strange mistakes. Some customers, for example, find that their paid bill is put in the unpaid bill file on a computer. The result is that a customer may start to get collection notices and reminders for a bill of $0. While this may seem insignificant, such notices likely mean that the file has been automatically forwarded to the credit bureaus - giving the customer an undeserved ding on their credit report. If you are incorrectly charged with not paying any
amount - no matter how trivial - be sure to correct the matter with the company in question and specifically request that the item not be sent to the credit bureaus as unpaid. If a regular check of your credit report finds that the item is listed as a ding on your credit report, ask the company to remove the item from your report immediately.
There is simply no reason why you should have to pay for credit report mistakes. While credit report glitches are sure to happen - after all, credit bureaus process many millions of credit files - there is no reason why you should have to pay for errors with a lower credit rating. Avoid common problems by being aware of them and act fast when you notice problems with your credit report. This type of watchfulness will keep your finances in excellent condition.
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