Anyone who has found an inaccuracy on their credit report can tell you that it's a maddening process to try to fix it. There are three national credit bureaus that serve the entire country, so you can imagine what customer service is like.

Federal law says you have the right to get these errors corrected, but the credit bureaus are notoriously difficult to work with nonetheless. I have heard financial experts on national talk shows say if you have an inaccuracy on your report, you might as well throw up your hands and forget it. They obviously don't know that the Attorney General's Office may be able to clear these up for you.

File a consumer complaint, and we'll get in touch with the credit bureaus for you. We clear up a lot of errors for a lot of consumers. If you haven't checked your free credit report, we encourage you to do so three times a year.

PS: Don't get this confused with credit repair, which is often a scam. If you have negative info on your report that's accurate, there's not much you can do about that.