Send to a friend

It is not at all unusual for incorrect information to show up on a person's credit report. This is especially true for parents or children with the same name, just a generation change such as Junior, Senior or IIII. You can demand that incorrect information on your report be corrected or removed - you just have to ask in writing. While you are writing, be sure to provide any documentation that you have to back up your claim. Send a letter to each of the three credit repositories that has the incorrect information. There is no need to send a letter to a repository that does not show incorrect information. The credit repository MUST either prove that the information they show is correct or it must be removed - the burden is on them, not you. They generally have 30 days to respond to a written request for correction.

I have had a great deal of success with my customers when they use the following example letter.
___________________________________________________________________________
Date:

Experian Credit Information Service
701 Experian Parkway, PO Box 949
Allen, Texas 75013-0949
or
TRANS UNION Corporation
760 W. Sproul Road, P.O. Box 390
Springfield, PA 19064
or
EQUIFAX Credit Information Services
P.O. Box 740241
Atlanta, GA 30374-0241

Request to Delete/Correct Inaccurate Information from my Credit History File(s):

Name: YOUR FULL NAME INCLUDING GENERATION INFORMATION IF ANY
SS#: YOUR SOCIAL SECURITY NUMBER
DOB: YOUR CORRECT DATE OF BIRTH
Current Address: OBVIOUS
Prior Address: LAST FULL ADDRESS
Home Phone: OBVIOUS

To Whom It May Concern:

I formally request that the following items be immediately investigated. As these items are inaccurate, they need to be removed/corrected in order to show my true credit history. By the provisions of 15 USC 1681-1681u of the Fair Credit Reporting Act of 1970, I request that these items be re-verified and deleted from my record.

Company Name Account Number Comments

LIST EACH INCORRECT ACCOUNT HERE

I shall assume that 30 days constitutes "reasonable time" for re-verification of these entries unless you immediately notify me otherwise. Respectfully, I would like to state that failure to re-verify these items within 30 days constitutes reason to promptly drop the information from my file according to Section 1681i(a).

Also, pursuant to 15 USC section 1681i(d) of the Fair Credit Reporting Act, please notify me when the items have been deleted. Please send an updated copy of this credit report to my home address.

If you have any questions, or concerns, please feel most welcome to contact me. Thank you, in advance, for your assistance in this matter.

Respectfully,
______________________________________________________________________________

Be sure to keep a copy of what you send for future reference.

For your information, here are the phone numbers and web addresses of the three credit bureaus:
EQUIFAX 1-800-685-1111 www.equifax.com
EXPERIAN 1-888-397-3742 www.experian.com
TRANS UNION 1-800-888-4213 www.transunion.com