Credit Fix Repair Report | Fix Your Credit Report
Each and every year we are allowed one free credit report from all three credit bureaus. What happens when you check the report and there is incorrect information on that report? There are actually several things you can do. Not only should you dispute incorrect credit information but also incorrect personal information. Make sure all names and addresses listed are/were yours. You also want to make sure the correct date of birth and social security number are listed. Any of these things being incorrect could be because of fraud or because someone else’s bad debt is being charged to you because you have the same or similar name.
If it is your personal information that is incorrect you will need to mail a copy of a current utility bill or your driver’s license showing that the information is correct. The only thing one of these things could not prove was incorrect would be your social security number. When you mail this information in be sure to mail it certified mail. This way you will have verification not only that it was mailed, but also that it was received. Make sure you only send copies and not any originals. At first you will want to mail this information to the location where you obtained the report. If you then find out that it was given to them by a specific creditor you will want to write a letter to them disputing this as well along with the same documentation and of course by certified mail.
If the error is in your credit history, then you will want to dispute it first with the creditor and second with the reporting agency. You will want to include any information that proves your case or why it should be removed. This is where keeping things for several years may pay off. If you have a creditor stating you owe money on an account and you have a letter, bill or even bank statement showing you made that payment, you will want to send a copy of this information along with the dispute. It may help to send a copy of the credit report showing what specifically you are disputing. When sending the letter you will also want to request the inaccurate information be removed from all credit reports and not just the one where you found it. This letter should be sent certified mail as well.
Many of the credit bureaus also allow you to do these same disputes online. One thing to consider is you do not always get unlimited word space to prove your point and you also cannot send proof along with these. While it may be a bit more time consuming, sending a written letter may get you where you want to go and possibly faster. You will also have proof they received it and proof you sent it. All supporting documents can be included and quite honestly it may keep them a little more honest.
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