How to Remove an Unwanted Credit Bureau Report

Negative remarks on a credit bureau report can make obtaining a loan or other types of financing very difficult, so it is important to check for credit errors once or twice a year. Sometimes a credit report company is supplied with incorrect information, resulting in errors. Errors may be simple mistakes, such as having the wrong employer information, to more severe inaccuracies that show delinquency or default on payments. Fortunately, consumers can file a credit report dispute if supporting documents and an appropriate letter back up the claim.

Instructions

1

Gather documents to support your credit report dispute. Important documents should consist of payment statements and other financial records that pertain to the error.

2

Make copies of all relevant documents, as well as your credit report. Put your originals in a safe place. Highlight the credit report dispute or disputes with a yellow highlighter marker on the copy.

3

Write a letter to the credit report company that explains why the reporting is incorrect. Identify the type of item in the claim, such as a judgment, default or delinquency you are contesting. Make note in the body of your letter the exact information printed on the credit bureau report.

4

State why the information is incorrect. Include in your letter that you have supplied documents to back up your claim to resolve the matter. End your letter by stating that you are requesting that the information be removed from the credit bureau report.

5

Mail your letter, supporting documents and report to the credit report company by certified mail with the option of return receipt requested to ensure accuracy and proof of delivery.

6

Place the receipt with your original documents when it comes back in the mail.