How can I correct wrong info on my credit report?

Question

I don't understand this...I just recently looked up my credit report for all 3 bureaus and noticed that there is wrong information on al 3 of them (Spelling of name, current address, DOB, current employer, etc.) I haven't found any info on the web as to how to correct this. Can someone who knows much about this field please help me...thank you.

Answer 1

Correcting your credit report is fairly simple. When you got your credit report, they gave you the address to send the dispute to. If not, look at the above answers for the address.

If the information you are disputing regards a debt, or anything that may have a negative impact on your score, then you MUST send the dispute by certified mail.

This is VERY important. In the event that they do not correct this information, you need the proof that they were notified before you can proceed with any legal or punitive action.

Answer 2

Equifax and TransUnion are the two extraordinarily sensible approximately removing any information that's no longer modern-day. If I undergo in recommendations precise, TransUnion will do it with basically a telephone call, yet i prefer to propose a letter besides for checklist conserving applications. Experian does not prefer to delete ANY historic information (previous addresses, telephone numbers, and so on. and so on.). If the motor vehicle salesman became into asserting it would desire to help your FICO score, I disagree as your earnings isn't shown on your credit rfile. If he became into asserting it would practice you ways to with a private loan from HIM, then he might desire to be waiting to settle for a W-2 from final year or your final 2-3 paystubs and evidence of modern-day earnings.

Answer 3

I read an article that says that TransUnion admitted in court that nearly 50% of their files contained errors.

Thats crazy because they currently hold 300 million files.

If you have negative information on your credit reports, you must dispute it. Calling will not do the trick. You must submit them in writing.

Here are the addresses if you want to do it yourself:

Equifax
P.O. Box 740241
Atlanta, GA 30374
800-685-1111
http://www.equifax.com
Fax: [phone]
or 1-866-233-3777

TransUnion
P.O Box 2000
Chester, PA 19022-2000
1-800-888-4213
1800-916-8800
http://www.transunion.com
Fax:[phone]
or 714-830-2449

Note: TransUnion allows you to dispute online without a file number as of June 2004. Simply go to their site and click on "dispute". Start the dispute process and just leave "file number" blank.

Experian
P.O. Box 2104
Allen, TX 75013-2104
1-800-682-7654
1 800 493 1058
1-888 EXPERIAN
http://www.experian.com
poss. fax: [phone]

Note: If you have been denied credit within 60 days go to www.experian.com/reportaccess and get a free credit report online and dispute items right then and there! No credit card needed- it is completely free as of June 2004.

Innovis Data Solutions (a newer 4th credit bureau)
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
WWW.INNOVIS-CBC.COM
1-800-540-2505
Poss. fax: [phone]


If you want someone to correct those errors, go to: http://www.expert-credit-advice.com/credit_repair_service.htm

They did a good job for me.


Also if you want to use a good sample letter by disputing the inaccurate information yourself, copy and paste this one into a word doc and fill in the blanks:


To Whom It May Concern,

I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Company Name Account # Comments
__________________________ ____________________ ______________________
__________________________ ____________________ ______________________
__________________________ ____________________ ______________________
__________________________ ____________________ ______________________
Under federal law, you have 30 days from receipt of this letter to re-verify these entries. It should be understood that failure to do so within a thirty day period constitutes reason to promptly delete the information from my file FCRA 15 USC s1681i (5)(A).
Also, pursuant to USC s1681i (6)(A) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC section 1681j, there should be no charge for this notification. Additionally, please provide me with the name, address and telephone numbers of each credit grantor or other subscribers that you contacted for follow up.
My personal information is as follows:

Full Name :______________________________________________________________

Social Security Number: ________________ - _______ - ________________

Date of Birth ____________________________________________________________

Current Address _________________________________________
_________________________________________
Sincerely,

_________________________________________

Signature

Date:____________________________________



It may look a bit scrambled, but it's not.



Finally, dont take NO for an answer. They will try to stop you from repairing your credit because each time you dispute an item it takes $ out of their deep deep pockets!!!!

Answer 4

you are entitled to one free credit report per year...look on clark howard's website he provides info on free credit reports, how to correct them and what you need to do to protect yourself from identity theft. i think the website is clarkhoward.com but not sure.if you do a websearch for his name you will find it. you also can challenge anything you see as wrong on there, and you report it through each individual agency. there is a link on their webpages that allows you to dispute a claim or information. just follow the links.

Answer 5

I would send them each a letter of each item that needs to be corrected. It might take a while because they are very busy but I would send it certified and get a receipt of them receiving it.

Answer 6

You need to call each of them and individually set it right. It is better to get it fixed.
Transunion
Dispute an item on your credit report: 1-800-916-8800
Equifax
https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=contact_us
Experian
http://www.experian.com/disputes2/index.html

Answer 7

You have to call each of them separately and work it out. I wouldn't worry about it, though, unless it's affecting you somehow.