Consumer seeks answers for faulty credit report

Why is paid-off mortgage still on record 4 months later?

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DEAR BOB: Under the new Fair and Accurate Credit Transaction Act, I decided to get my free credit report by calling 877-322-8228. To my surprise, my report still shows a mortgage that I paid off last October. What can I do to correct this credit bureau mistake? – Frank D. DEAR FRANK: I must hasten to emphasize the free credit reports are only available in a few Western states so far. The nationwide program spreads gradually eastward over the next few months. Purchase Bob Bruss reports online. Readers in Western states can obtain one free credit report from each of the three credit bureaus once a year by going to I plan to spread out my free reports by ordering another one every four months. You should contact the offending credit bureau to report you fully paid off your mortgage last October. The fault is probably with your lender who failed to report your full payment to the credit bureau. When you notify one credit bureau of an error on your c...