If you find an error or disagree with anything that appears on your credit report, you have the right, under the Fair Credit Reporting Act, to dispute the accuracy of the information in your credit file. When a credit-reporting agency receives notice of your dispute, it must reinvestigate the questionable item and record its findings within a reasonable period of time, unless it believes the dispute to be 'frivolous or irrelevant.' If the credit reporting agency cannot verify your disputed item or if your report contains erroneous information, the credit-reporting agency must correct it. Also, at your request, the credit reporting agency must send a notice of correction to any report recipient who has checked your file in the past six months. If there are items in your credit file that you feel deserve further explanation, for example, an account that was paid late due to your involvement in a recent accident, you may send a brief statement to the appropriate credit-reporting agency. The information will be put on your credit profile and disclosed each time creditors access your profile.
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