How to Update My Experian Credit Bureau Credit History

Your credit score is determined by the number of current or past-due accounts on your personal credit history. Paying off past-due accounts can increase your credit score. Some individuals even find that accounts on their credit report do not belong to them. This can result from a mistake by the credit bureau or by the creditors filing a claim. Updating your credit report can ensure that the proper credit score is reflected, allowing lenders to appropriately assess whether you're a high-risk borrower.

Instructions

1

Obtain a current copy of your credit report, either by paying for a copy through the Experian website or getting your free yearly credit report at AnnualCreditReport.com. Analyze the credit report thoroughly and make notes of items that need to be updated or items that you feel are incorrect.

experian.com

2

Dispute any items that you feel are incorrect. To do this, request an investigation on the Experian website. You'll need the report number from the top of your current credit report to initiate an investigation. Provide full details of the item you feel is wrong, as well as any evidence you have which suggests that the item on the credit report is either incorrect or not yours.

3

Send a letter and copies of receipts to Experian when you have paid off bills that are currently on your credit report. Include the report number of your current credit report. The letter should clearly state that you want to update your credit and include any relevant supporting details. Mail these materials to:

Experian

P.O. Box 2002

Allen, TX 75013.

In addition, when paying off bills, ask the creditor whether it will be reporting to the major credit bureaus to update them regarding the status of those bills. Most creditors do update the credit bureaus when an account has been paid off or is being paid on a regular basis.