Who should you contact if you find an error on your credit report?

When you discover an error on your credit report, it is essential to take action to rectify the situation. Contacting both the credit reporting agency and the company that reported the error is the most effective approach. The credit reporting agency is responsible for maintaining and providing access to your credit report, so they need to be notified of inaccuracies. Meanwhile, the company that reported the information (often a lender or creditor) must also be informed because they can provide clarification or correct the information at its source.

By reaching out to both parties, you ensure that the error is addressed comprehensively. This dual approach allows for the possibility of quicker resolution, as the credit reporting agency can investigate and update your report, while the reporting company can correct any mistakes on their end. It's a proactive method to ensure that your credit history accurately reflects your financial behavior.