Last name on my credit report is wrong, how do I change?

Question

The last name on my credit report is wrong. The last name is that of my mothers but not mine.

Answer 1

Send a dispute saying --

The last name of xxxxxx that is reported on my credit report #xxxxxx is incorrect. <**>
My correct last name is
I have enclosed a copy of my drivers license and a copy of a utility bill as proof of my last name.
Please correct my last name on my credit reports.

if you have never had that last name, you might want to include the following --

<**>I have never been known by the last name of xxxxx and I have never used that last name to apply for or receive any type of credit.

If you are disputing from a paid report they have 30 days to correct it.
If you are disputing from a free FACT-ACT report they have 45 days to correct it.

Answer 2

Contact each bureau by US Mail with return receipt.

Write a letter with the following information.
How you found the incorrect information.
A copy of the incorrect information with the wrong name highlighted.
A copy of a legal document with correct information highlighted.
Request a copy of the fix be sent to you and anyone who has inquired on your credit in the last year.
Request all this be done within 30 days.

When you get the fix, it should come from each of the three bureaus. Make a copy of each documented fix and keep them for your records.

Wait 90 days and make sure the fix stayed in your records. If not, start all over.

If you have any additional questions please feel free to contact me.

Good Luck
Chris C
Real Estate Broker/Lender

Answer 3

Go to the credit reporting company and tell them to correct the information. May be necessary to check all three.

Answer 4

You dispute it -- with the credit reports -- and they will most likely have you send something in with your real name or whatever- but, do it with all 3 credit reports if its wrong on them all - otherwise- do it with the one --..
its free to dispute.

Answer 5

talk to your bank in which you have credit cards in