I have errors in my credit report. Should I dispute credit report agency?

[perfectionj]

I have errors in my credit report. Should I dispute credit report agency?

[scubatim84]

You should contact your credit report agency. Make copy of related documents including your receipt. Then send a letter with all these records and instruct them about how they should fix the error in your credit report.

What I will add to this is the reason you should contact your credit report agency is because it will cost you thousands of dollars if your score is negatively impacted by these inaccuracies. If you get a loan, even if this score only costs you say .5% extra in the APR, this could amount to a colossal amount of extra interest over the life of the loan...especially if you're looking to buy a home anytime soon.