How to Fight Bad Credit Report Additions

It can be disheartening to see a drop in your credit score, especially when you have been doing all the right things. If you notice that the change in your score is from inaccurate information, you can contact the credit bureaus to remove the inaccuracies. It can take a month or two to have bad information removed from your credit report, but it will result in an instant credit score improvement.

Instructions

1

Make a list of the errors on your credit report. Besides looking at your accounts, be sure that you note any unauthorized inquiries. Occasionally, a company will look at your report before sending you a pre-qualified credit card application, even though you did not authorize it.

2

Gather the information you need to refute the bad information. Find bank statements or other information that supports your request. For example, you may show canceled checks that prove that you made a payment or a letter that shows that an account was closed.

3

Send a certified letter to the credit bureaus disputing the information. Include the documents that you collected to support your claims. The credit companies have 30 days to research and respond to your statements.

4

Contact the agencies again by mail if you do not hear from them within 30 days.