Correct Credit Report Errors

Statistics show that 70% of all credit reports contain at least one error.

Errors may result from fraudulent activity, failure to credit a payment, errors in arithmetic, someone with the same name as yours, and other reasons. Some errors may cause you to pay a higher rate or to be turned down for a loan. It's important to report errors in writing as soon as possible.

If you find an error, send a letter to your creditor who made the error. Include the following:

  • Identify the specific information you are disputing
  • Explain why you believe the information is incorrect
  • Include any supporting documents you have to substantiate your dispute.

If you believe SESLOC reported something in error, please write to us at:
P.O. Box 5360, San Luis Obispo, CA 93403-5360.

Contact each credit agency where the error is found.
Explain the mistake in detail and include a copy of the credit report with the error highlighted. You may also file a dispute online.

An error must be investigated by the credit reporting agency -- Experian, TransUnion, or Equifax -- in conjunction with the creditor who supplied the information. The agency will remove any information the creditor agrees is in error. If a disagreement occurs and cannot be resolved, you may file a short statement with your side of the story, which will be added to the record. Future reports to creditors must include this statement or a summary of it.

Try these helpful links to file a dispute: