How to Request an Update On a Credit Score With a Letter

Credit reporting agencies, such as TransUnion, Equifax and Experian, provide records of individuals' credit history and past bill-paying behavior. These agencies also assign a numeric value, called a credit score, to the individual's credit history. Creditors supply the information for credit reports, and federal law requires credit reporting agencies to only report accurate information. If you notice outdated information that could impact your credit score on your credit report, you have the right to request an update to your credit file.

Instructions

1

Place the date in the top, righthand corner of the page. Skip a line and put your name, address and Social Security number under the date. Skip another line and enter the credit reporting agency's name and address on the left side of the page. Address the letter to "Sir or Madam."

2

State the changes that have occurred that require an update in the first paragraph. This may include payments, correction of inaccurate information furnished by a creditor or the inclusion of a new account.

3

Give the name of the creditor supplying the information, the account number and any other relevant information, such as the account balance, history or activity dates in the second paragraph.

4

Tell the credit reporting agency to update the information on your credit report and your credit score to reflect the changes in the final paragraph.

5

Sign and date the letter. Mail it to the credit reporting agency's address, which you can find on the agency's website, and request a return receipt from the post office so you have a record of when the agency receives the letter.

6

Wait 30 days for the agency to process the request and update your credit report and score. You will receive a free report reflecting the updated information. You must go the credit reporting agency's website to request and receive your updated score.