How to Delete Information From a Credit Report

Credit reports are one of the most important records about you. Your credit report is checked by companies that provide loans for cars, houses and other items. Your credit report is also checked sometimes when you apply for jobs or to get car insurance. It's important to make sure that your credit report is correct. You can't personally delete credit information but you can get mistakes removed.

Instructions

1

Get a copy of your credit report from all three agencies, Experian, Equifax and TransUnion. Check over the credit reports and look for any mistakes. If so, see if the problems exist on more than one report.

2

Do research on your own related to any mistaken accounts. Call the creditor and find out why they are reporting a problem. If it is a legitimate reason, it can take up to seven years to disappear.

3

Contact the credit agencies that have the information that you want to be removed. Tell them about the mistakes and ask them to look into it.

4

Send a certified return receipt letter to the credit agencies disputing the information. Include any proof you have that the information is false. The credit bureaus have a limited amount of time to research the matter. They aren't always very thorough and you may have to repeat this procedure.