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What can I do about a problem on my credit report?

If your credit report is wrong, write a letter to ask the credit reporting agency to investigate. You can use the “investigate my report” letter. The agency must investigate your claim within 30 business days. The agency will ask the creditor to review its records. If the credit reporting agency thinks your claim is “frivolous or irrelevant,” it does not have to investigate. If the credit reporting agency learns the credit report was wrong, it must correct your report. (M.G.L. c. 93, §58).

If you disagree with the results of the credit bureau’s investigation, write a short statement. In the statement, explain why you disagree with the report. The credit reporting agency must include your statement each time it sends out your credit report, (M.G.L. c. 93, §58).

Negative information can only be on your credit report for a certain amount of time.

  • Credit card debt must come off your report after 7 years.
  • Bankruptcy filings must come off your credit report after 10 years. (M.G.L. c. 93, §52).
  • When the court orders that you owe money, it is called a judgment. Judgments must come off your credit report after 20 years.
Produced by Mariah Jennings-Rampsi, South Coastal Counties Legal Services, with funding from American College of Bankruptcy
Created June 2012

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