Best Credit Card Offers specially for you

About Us  |  Contact Us  |  Articles  |  News  |  Tips  |   Tools
ADVERTISER DISCLOSURE is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. does not review or offer all available credit products.

How to Dispute Mistakes on Your Credit Report

[Saturday, September 6th, 2014]

Your credit report is one of the most important documents in your financial life. It determines whether you will get the lowest rate on your mortgage, whether you qualify for a loan, what type of credit card you can get, and even whether or not you get a job.

The problem is, most people do not see their credit reports very often. They may not know that they can pull a free report from each of the three major credit bureaus, Experian, TransUnion, and Equifax, once a year. And they also may not know that an estimated 80% of credit reports contain mistakes.

If you want to get the lowest rates on loans, the best rewards credit cards, and never be turned down for a job or an apartment on the basis of bad credit, the first thing you must do is make sure your credit report doesn’t contain any mistakes. Here are the steps to reviewing, and fixing, your credit report:

  1. Go to to get your free credit reports. Be ready to answer questions about your past jobs, residences, mortgages, Social Security number, and other personal information. Then print out the reports so you can easily review them.
  2. Look over all information, including names, addresses, accounts, jobs, and loans. Flag anything you don’t recognize so you can follow up on it. Carefully go through all three reports.
  3. If you can determine where the wrong information came from, call the company that placed it on your credit report. Find out the address where you can write to ask that the information be removed. Then put your complaint in writing, simply and clearly. Call and write to every agency, company, or entity that has misinformation on your credit report.
  4. Contact the credit bureau to let them know you are disputing this information. Put it in writing and keep a copy. If you aren’t sure of the address where you should send it, call the bureau to find out. If you have disputed information on your credit report, the credit bureau must follow up to confirm the information. If they can’t, then they have to remove it.
  5. Now you are protected in two ways. The company that put the false information should take it off, but even if they don’t, the credit bureau will have to remove the information if they cannot confirm it. Be sure to keep copies of all correspondence. Write down the names of anyone you speak to on the phone, and the time of the call.
  6. Check back in 30 days to see if the information has been removed. If it hasn’t, follow up with both the company and the credit bureau. Be persistent. Sometimes it takes some effort to get these things cleaned up, but it will be worth it in the end when your credit score rebounds.

Once you have made sure your credit report is accurate, do what you can to reduce your total amount of debt. Don’t apply for too many new credit cards at one time, keep making payments on time, and most important—order a free copy of your credit report each year and repeat this process.

Read also

How to Get Cash from a Credit Card?
[August 30th, 2019]

We all used to make purchases or pay for various services with our credit cards. More than 300 billion credit cards are issued in the U.S. annually, and almost 80% of Americans own at least one credit card. However, despite the wide acceptance of credit cards, it still remains useful to carry cash in your pocket. That’s where a credit card cash advance comes into play.

Continue reading ››

How to Benefit with Discover it® Cashback Bonus Cards in 2019
[May 10th, 2019]

Owners of the Discover it® Cash Back, the Discover it® Balance Transfer, the Discover it® Student Cash Back and the NHL® Discover it® credit cards surely appreciate the 5% cashback bonus on purchases at its true value. We would remind you that it applies to purchases up to $1,500 per quarter in certain categories rotating quarterly and is available after activation.

Continue reading ››

Here’s Why Every Frequent Flyer Needs a Travel Rewards Credit Card
[January 16th, 2019]

If you think the only advantage to carrying a credit card that offers travel rewards is that you can earn more frequent flyer miles by making purchases on the card, you could be missing out on some of the biggest perks offered by card issuers and airlines.

Continue reading ››
Copyright © 2003-2019 All Rights Reserved strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the "Apply online" button to see the online credit card application and to review current credit card terms and conditions. Note that can be compensated by credit card issuers when the visitors apply for a credit card through the website.
* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners. is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.
Information in these articles is brought to you by Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.
Disclosure: Not an access card.