How to Send Multiple Disputes to Credit Bureaus to Erase Bad Credit

With loans becoming increasingly difficult to obtain, and credit card limits decreasing, consumers are becoming more concerned about what information is on their credit reports. Under the Fair Credit Reporting Act, the consumer reporting agency and the information provider--or the company or organization reporting the credit information--are responsible for correcting inaccurate or incomplete information listed on your report, according to the Federal Trade Commission. To dispute errors on your credit report and erase bad credit, you must contact the credit bureaus and reporting companies in writing, providing any information available to back up your complaint.

Instructions

1

Obtain a copy of your credit report. You can obtain a free copy from each of the three credit bureaus--Expedia, Experian, TransUnion--once per year at annualcreditreport.com.

2

Review your credit report and determine any incorrect information. Circle all of the inaccurate items, and make a copy to include with your letter to the credit reporting agency.

3

Compose a letter outlining items of dispute. nclude the name of each reporting company, account number and reasons why you believe the items are inaccurate. Enclose any supporting documents you have to back up your case.

4

Ask that the items be removed from your credit bureau record, and request a revised credit report with updated information.

5

Mail the documentation to the correct credit bureau, and include any requested information such as proof of identity. Send certified mail, with a return receipt request. The bureau has 30 days to investigate or remove an item of dispute.

6

Repeat this process, including all inaccurate records listed for each of the three credit bureau reports.