Assuming You Already Have A Copy Of Your Annual Credit Report You May Have Already Found Some Errors That Should Be Removed

Category: Finance, Credit.

Assuming you already have a copy of your annual credit report you may have already found some errors that should be removed.

You can repair your credit with a little bit of help. Errors should always be a big concern because they can and probably have affected your credit score, also called a FICO. It may seem like a lot of work but it s really easy. You ll need to check all three credit bureaus to make sure the same error isn t on all three but if you just have one credit report, start with that one. The hardest part is actually sitting down to do it. First make a list of any and all errors that you find on your personal credit report. If you think there is any possibility that you could be wrong check your past history with the creditor in question first.

These could be in the form of personal information such as birth date or more likely there will be information that you know not to be true such as late payments or no payments recorded etc. You want to make sure you are right before you make the request to have any information removed from your credit report. You don t want to sound angry in the letter, just be matter- of- fact, straightforward and business- like. You will be sending the letter only to the credit bureau mentioned on the report, which would be Esperian, Equifax or TransUnion. Just outline the facts- name of creditor, and the error, dates( s) or problem( s) you re finding on the credit report. I am enclosing documentation to prove the information is incorrect and would like a correction.

Here is a sample letter: Date: To whom it may concern at Esperian( or other credit bureau) : I recently acquired a copy of my credit report and found some errors that I d like to dispute. I value my good standing and good credit history and want to maintain a good credit rating and credit score. The error( s) I have found are: I m including copies of my payment record, with a( cancelled check or online payment print- outs or any other documentation that you have) . Name the creditor along with the reference date including the month, day and year if possible. I would appreciate any attention to the matter as I would like my credit report to be accurate. Thank you for taking a look at my letter and file and hopefully making the necessary corrections so I can continue to maintain my good credit standing.

I m sure you understand that credit bureaus need to include only information that is accurate in my file. Please let me know that my file has been reviewed and what action has been taken. Thank you. I would also like a copy of my corrected credit report sent to the enclosed address. Sincerely, Besides your full name as shown on the report, include you mailing address, a copy of the report that you have, your social security number, driver s license photocopy and any other documentation such as a cancelled check or online payment confirmations. Send the dispute letter by certified mail with a return receipt requested.

Make a copy of the letter for yourself and a copy of any enclosures with the letter. Then make sure to get the free credit reports from the other two main credit bureaus or reporting agencies to make sure they don t have the same incorrect information. You can get free instant credit reports from the other two online.

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