If you find information that you believe to be incorrect in your credit report, you'll need to address it. Contact the credit bureau in writing, including documents that support your position. Make sure your letter lists your name and address. Clearly identify the item you believe to be invalid, explain why you think it is erroneous and request its deletion. The credit agency must reinvestigate disputed items, usually within 30 days. The law states that erroneous information, or disputed information that the credit bureau is unable to verify, must be deleted from your file.
You're probably wondering how get a copy of your report. It may be ordered from any of the three credit bureaus Experian, Trans Union and Equifax.
Remember, forewarned is forearmed. Even if you're not currently hunting for a car loan, it's a good idea to take a look at your credit report now. That way, problems can be addressed before they have a chance to hurt your prospects.