How to Remove Incorrect Information From Your Credit Report

Incorrect information can make it onto your credit report and wreak havoc on your credit score if it's not caught -- and removed -- as soon as possible. Because of this, it's important to check your credit report from each of the main credit reporting agencies on at least an annual basis, or more often if you suspect suspicious activity or are preparing to make a large purchase (such as a car or house) in the next 12 months.

Instructions

1

Identify the incorrect information on your credit report. You can't go around removing any negative information from your credit report just to increase your score; credit scoring agencies will only remove information that is incorrect. So if you find a credit account that you never opened or that is in someone else's name, for instance, you can dispute the listing to have it removed. You can also request to have duplicate listings removed, which won't necessarily improve your credit report but might help to clear confusion from potential lenders who could see duplicate listings as multiple credit accounts.

2

Submit your dispute to the credit bureau. Claims of incorrect information can be made online at each of the credit reporting agencies websites (see links in Resources section), or you can retrieve their mailing addresses and phone numbers from their websites and file your claim by mail or phone. Be ready to provide identifying information, such as your social security number, a description of the incorrect information and any documentation that proves your case.

3

Watch your mailbox for a written confirmation from the credit bureau. The credit reporting agencies have 30 days to look into your request and remove any incorrect information. Once the investigation is complete, the bureau will send you a written report of their findings by mail. If any changes have been made, they will include an updated copy of your credit report.

4

Appeal any unsatisfactory decisions. If the bureau did not remove information that you are certain is incorrect, follow up with a written explanation, including copies of any supporting documents, such as written communication with your creditor or a statement showing the correct balance. If the information is correct but you have a good reason for the negative mark on your credit, consider sharing that reason in a written explanation as well.