Equifax, P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111. Experian (formerly TRW), P.O. Box 2002, Allen, TX 75013; (888) EXPERIAN (397-3742). Trans Union, P.O. Box 1000, Chester, PA 19022; (800) 916-8800.

Correcting Errors For Clean Credit. To protect all your rights under law and to keep your credit clean contact both CRA and information provider.

First to get clean credit reports, tell credit reporting agency in writing what information you believe is inaccurate. Include copies (please keep your originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state facts and explain why you dispute information, and request deletion or correction. Always keep copies of your dispute letter.

They must reinvestigate items in question, usually within 30 days, unless they consider your dispute frivolous. They also must forward all relevant data you provide about dispute to information provider. After information provider receives notice of a dispute from CRA, it must investigate, review all relevant information provided by CRA, and report results to CRA. If information provider finds disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file. Disputed information that cannot be verified must be deleted from your file, then you will recieve a clean credit report, with that item removed.

If your report contains erroneous information, CRA must correct it(clean credit). If an item is incomplete, CRA must complete it. For example, if your file showed that you were late making payments ( 30 days or more), but failed to show that you were no longer delinquent, CRA must show that you're current. If your file shows an account that belongs only to another person, CRA must delete it

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