How to Get a Foreclosure Removed From Your Credit Bureau Report
- 1). Order a free copy of your credit report. The 2003 passage of the Fair and Accurate Credit Transaction Act entitles you to receive one free report each year from the three major credit-reporting bureaus: TransUnion, Equifax and Experian. You can order the report from AnnualCreditReport.com or from the credit bureau's website, by phone or mail (see Resources).
- 2). Check the report for any errors. Read the "Public Records" section to see if the foreclosure still remains on the report. Credit bureaus update their records often, so data may have changed.
- 3). If necessary, file a dispute online with the credit bureau. The online form allows you to indicate the foreclosure that you're disputing and the reason. You can also submit your dispute over the phone with a customer service representative. Mailed disputes should include a letter that explains the items you're disputing and the reasons for the dispute and includes any supporting documentation.
- 4). Print your report. You're allowed one free report under the Fair and Accurate Credit Transaction Act. If you view it online but fail to print it, the bureau may charge you a fee to do so at a later date. In addition, print the dispute form if you filed your dispute online.
- 5). Wait to receive your dispute results. The Fair Credit Reporting Act gives credit bureaus up to 30 days to investigate your dispute and make changes. The results are sent to you by email if you filed your dispute online, or by regular mail if you filed the dispute by phone or mail. Along with the results, the credit bureau will include an updated copy of your report that shows the corrections that were made.
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