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If you know that a credit contains an error...just write that credit reporting agency telling them to fix the error.
Simple. No evidence or explanation required on your part.
They are required to verify the info they report and if they don't or can't they are required to remove. Not that this usually happens but there are statutory damages easily recoverable in small claims court for violations of the FCRA. Also, if you are denied credit as a result of inaccurate information then you can recover punitive damages also. It usually takes lots and lots of letter writing, and unless you send certified mail, return reciept requested, your requests are likely to get 'lost in the mail'
Also, some states (like Maryland) require the CR bureaus to provide a copy of their report to consumers for free once a year. Your state might also.
Finally, each of the CRA (credit reporting agencies) has a web site where you can obtain a copy of your credit report.
Good Luck,
-bear
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It's alot easier to ask for forgiveness then it is to ask for permission.
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