When you find a mistake on your credit report, the first thing you need to do is contact the credit bureau. You should have documentation ready, so that you can back up your case. It also doesn’t hurt to contact your creditor as well. The bureau will do that, but you can move things faster by taking the initiative.

It should only take 30 days to fix a mistake on your credit report, but sometimes it takes longer. Make sure that you follow up to ensure that the problem is fixed. You will get better terms when buying a Baton Rouge home with an accurate credit report.