One thing that definitely befuddles many consumers is the credit scoring system, but perhaps more maddening is dealing with the problems created by the system: Working to get errors in credit reports corrected.

Now that the major credit bureaus – Equifax, Trans-Union and Experian – announced they had joined together and created their own branded credit scoring model that they hope will replace FICO, the one now widely used by lenders, it’s a good time to review how to clean up problems in your reports.

Under the federal Fair Credit Reporting Act, credit bureaus and businesses that supply them with data are obligated to correct inaccurate information.

If you find an error in any of your credit reports, the Federal Trade Commission says you should write to each agency requesting a deletion or correction. Your letter should clearly identify each item in your report that you dispute.

You also should enclose a copy of your report with the items in question circled. Include copies (not originals) of documents that support your position.

And finally, send your letter by certified mail, return receipt requested, so that you can prove that the credit bureau received the information. Also, keep records of everything and everyone you talk to.

But before you do all that, contact the creditor supplying the incorrect data. You have to attack the erroneous information at the source. If you can clear up the problem with your creditor first, you have a better chance that the error won’t be transmitted again.

The law requires credit agencies to investigate disputed information and correct inaccuracies within 30 days of hearing from a consumer.

If you don’t get satisfactory action from the credit bureau or creditor, you have at least two recourses. You can complain to the FTC. Unfortunately, the commission doesn’t get involved in resolving individual consumer problems. However, your complaint might lead to some law enforcement action.

Your second option is to file a lawsuit. These types of cases are not easy to win but if you have a particularly egregious situation, go for it. To find a lawyer, try the National Association of Consumer Advocates; its Web site (www.naca.net) lists consumer lawyers by state. When searching, click on the links for “View Details” and look for an attorney with experience handling Fair Credit Reporting Act cases.