Your last resort:
If you've taken a look at your creditreport and think it contains some errors,your first recourse is the lender or creditor.Write a letter detailing the disputeditem and why you think it's wrong.Enclose copies of any correspondence.Next, go to credit reporting agencies, suchas Equifax (800-685-1111; www.equifax.com), Experian (888-397-3742; www.experian.com), or TransUnion (800-916-8800; www.transunion.com), with documentationof the mistake. If their investigationproves you right, ask them to senda corrected credit report to any companythat received an incorrect credit report inthe past 6 months. If that fails, you canwrite a 100-word description of the dispute,which the credit agency shouldmake a part of your file. Go to the Federal Trade Commission(www.ftc.gov) with your complaint.