How to Merge a Credit Report

Credit reporting agencies gather information on the way you have handled your previous financial accounts. Lenders use this information to evaluate you for possible loans. In some cases, a credit file may split causing your credit history to be split into two files. When a potential lender pulls your credit file, he will not have an accurate picture and will only see some of your past credit history. A split file can happen with a large file, following name changes, repeated credit inquiries and other situations. If you have a split file, it is important to have the credit files merged to ensure your credit history is complete and accurate.

Instructions

By Phone

1

Contact the credit reporting agency in which you have a split credit file. Look for the phone number on the credit report. Follow the prompts to file a credit dispute.

2

Explain to the representative that you discovered a split credit file and need to merge the credit files. Be prepared to verify your identity by giving your name, Social Security number, address, and possibly answer one or two questions regarding accounts in your credit file. The representative will ask you for the information on why your credit file is split.

3

Review the correspondence mailed to you following the credit reporting agency's investigation of your split credit file. You should receive the letter within 40 to 45 days of your credit dispute. If your credit file has not be successfully merged, repeat the process.

Mail a Letter

4

Write a letter to the credit reporting agency. Explain that you have discovered a split credit file and need the credit file merged. Give them your name, Social Security number, address, and date of birth. Include a copy of your driver's license or a utility bill in your name. These items are used to verify your identity. A credit reporting agency will not alter a credit report or initiate an investigation unless satisfied the person requesting the action is the same person on the credit report.

5

List the details as to why you believe your credit file is split. If you have supporting evidence, mail copies with your dispute letters. Mail the letter, certified return receipt, to the address listed on the credit report. Upon receipt the credit reporting agency will begin an investigation into the split credit file.

6

Review any documentation you receive as a result of the investigation. If the credit reporting agency did not merge the credit files, repeat the process and explain this is your second attempt to correct the split files.