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Even if your credit record is clear, a flurry of inquiries over a short period of time may be detrimental to you.

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Your next step is to contact the furnisher, or the company that provided the erroneous information, which could be an entity like your bank or a utility company.

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We recommend that when you order your report that you request that no more than the last four digits of your Social Security number appear on copies of your credit report.

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If the new investigation does not solve the problem, you may have the agency include your version of the disputed information on your file.

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Upon request, a consumer reporting agency must disclose to you all of its information and its sources for that information.

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