How to Remove Things From a Credit Report

A CBS News report in 2004 stated that 79 percent of all credit reports contain inaccurate information. This inaccurate information can have negative effects such as preventing you from receiving a car loan or mortgage. A bad credit score can even keep you from landing an apartment or a job. It is your responsibility to review your own credit report and ensure that any inaccuracies are removed. Fortunately, reporting false information is a fairly straightforward process.

Instructions

1

Request your credit reports from annualcreditreport.com. You are entitled to one free credit report from each credit bureau every 12 months.

2

Review your credit reports for accuracy by comparing the reports to your records and also to each other. Circle all inaccuracies for future reference.

3

Draft a letter to each credit bureau describing each error. Attach a copy of your credit report with the error circled. Send a copy to the credit bureau, and be sure to keep a copy for yourself.

4

Wait for a response from the credit bureaus, who are required to respond to your inquiry within 30 days of receipt. If any items are removed from your credit report, you'll receive an updated report at no charge.