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Q: If I have a dispute on my credit report, do I have to contact each bureau to remove the dispute?
A: No, you do not. Thankfully.
This is how it works. Once you send your dispute to the credit bureau, they contact the person or business responsible for reporting that information. The party responsible for reporting it must check if that information is accurate, and if it isn’t, they must contact all three of the main credit bureas and give them the corrected information.
If the information on your credit report is found to be incorrect, the credit bureau is required to send the corrected information to everyone who has received your credit report in the last 6 months, if you ask them to.
You also receive a free copy of your credit report with the updated information. If the information in question is found to be correct, it remains on your file.
Although you don’t need to contact each bureau individually about the same mistakes, it is still important to check all three of your credit reports.
The reason for this is that the credit bureaus have different methods of finding out your financial information, and some lenders only report to one or two of the credit bureaus. This means that your credit reports may all have slightly different information.
You can get a free copy of your reports from Equifax, Experian, and TransUnion once per year at www.annualcreditreport.com. You should check them all yearly to make sure the information is correct.