Millions of consumers are faced with errors on their credit reports, many of whom give up in frustration when faced with the daunting task of trying to get the negative information corrected.
Fortunately, thanks to the Fair Credit Reporting Act, credit reporting agencies are required to investigate your claim and respond within a timely manner.
If you are one of these consumers that is struggling to get negative information off your credit report, check to this visual guide to navigating the world of credit report disputes.
Click on “Launch Inforgraphic” for a full view.
John Ulzheimer is the President of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, and a contributor for the National Foundation for Credit Counseling. He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. The opinions expressed in his articles are his and not of Mint.com or Intuit. Follow John on Twitter.