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If you’ve gotten a copy of your free credit report from annualcreditreport.com and discovered that it contains errors, you’ll want to get the mistakes cleared up as soon as possible. Remember that there are actually 3 credit reports available, and that each of them may contain slightly different information. You’ll have to clean up the errors on each of them individually.

The process is similar for all three credit reporting agencies. You can visit their online dispute centers to request a dispute, or you can call the phone numbers that will appear on your credit report. I’ve found the online process to be quick and painless, but in either case you’ll need your credit report number. You can also mail in your dispute, but the other methods are faster. Here are the links to the various dispute pages:

- Experian dispute center
- Equifax dispute center
- TransUnion dispute center

TrueCredit provides a nice guide to disputing problems with your credit report. Remember, there is no need to pay someone to clean up your credit report for you. Anything they can legally do, you can do for yourself for free without any type of special kit. Credit reports must contain truthful information, so places that promise “credit repair” can’t get items off your report if they are true. Time will do that. You can also try writing a goodwill letter.

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