EAST PROVIDENCE, R.I. (WPRI)-- A new report shows 1 in 5 Americans have mistakes on their credit reports.
Call 12 For Action suggests staggering the three requests throughout the year to maximize the benefits.
Credit reports include current and previous addresses, credit accounts and any late or skipped payments. They can also include if you've ever been sued, arrested or filed for bankruptcy.
Negative information stays on a credit report for seven years, and bankruptcies for up to 10 years. That information could influence the interest you pay on everything from credit cards to car loans, or whether you get loans at all.
Look for mistakes on a credit report by checking addresses and accounts. Mistakes often include addresses you've never lived at or credit inquiries that you didn't make.
If you find an error, start by contacting the consumer reporting company that compiled the report. The company is required to investigate the claim within 30 days.
If you have a consumer problem you need help solving, contact Call 12 For Action Monday-Thursday from 11am-1pm at (401) 228-1850.
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