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Updating personal information credit reports

Once a creditor has concluded its investigation and found that the information reported about you was indeed accurate, the credit bureau that originally reported the inaccurate information will update the information on your credit report.

As a result of this process, a request for investigation could take several weeks.

Therefore, it is important to check for any inconsistencies in your credit report.

For revolving accounts, such as credit cards, your positive history will stay on your report for as long as the account is active. You have the right to attach a statement to your credit report that explains why, for example, you have a few late payments on your record.

This statement will be provided to anyone requesting your report.

Credit bureaus may report certain information about you differently.

For example, one credit bureau may report that your previous employer is still your current employer.

If you wish to update this information, you may do so by calling or writing to Experian using the contact information provided on your Experian credit report.

You may go online and delete an incorrect number, but we must assist you to add or change a number.You have the right to request a revised copy of your credit file sent to creditors who have recently accessed your file.In order to proceed with this request, please provide a contact name, fax number, and telephone number for each creditor.We may use the personal information you provide to update our records.The information may also be disclosed to our customers as part of your credit report.Every month, lenders submit updates on your credit profile to at least one of the three credit reporting companies—Trans Union, Equifax and Experian.Since lenders do not necessarily report to all three companies, the information on your credit reports may vary.Positive information remains on your report for an average of 10 years from the day its corresponding account is closed.This information applies to accounts like mortgages and car loans, which have fixed terms on the number of years for repayment.Your credit report is a record of your credit activity and credit history.It includes the names of companies that have extended you credit and/or loans, as well as the credit limits and loan amounts. If you have delinquent accounts, bankruptcies, foreclosures or lawsuits, these can also be found in your credit report.

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  • Article Detail - Equifax

    Credit Reports. We give you the. Updating your personal information with your creditors will help to make sure that information reported to Equifax by your.…