Question about incorrect personal info in my credit report!

Mary,

The term ???update' seems suitable here. Credit bureaus allow consumers to update their personal information whenever it is outdated. So please send them mail informing the items that want to change.

You can also call them to know if they prefer any particular format of letter. Otherwise you can select the sample letter offered by this site and edit it as per your requirement. Also send your letter through certified mail with return receipt requested. Here also they should respond to your query within 30 days. Keep us posted if you find any new information.

Hi Stan,

Thanks for your post! I will look into the sample letter and see if it suits what I need. Thanks again for the info!

~Mary :)

Mary,

You can go to the E-book section of this site and get the sample letters form the E-book ???debt consolidation Sample Letters For Free???. The letters included in this book conform the industry standards.

Or, you can visit the page below and get one for you-

http://community.debtcc.com/letters/index.html

Excellent, thanks so much for the links! I will definitely check them out. :)

~Mary

You can include a copy of the driver's license, LES statement, or phone bill to make corrections on the personal information and get those removed that are not required.

Some helpful tips for all when disputing with a credit bureau:

• Put your dispute in writing.
  
• Use a separate letter to dispute each item.
  
• Include your name, address, and SSN# for verification purpose.
  
• Letters should be sent through certified mail with return receipt requested.
  
• Keep a copy of the letters you send. Several demand letters may be necessary.
  
• Whenever the credit bureau marks any particular item ???disputed' it should be shown accordingly in your file.
  
• If you have any information to make your point valid, send copies of it.
  
• After an item has been corrected in your file, you can request the bureau to send the corrected information to those who pulled your report in the last six months.
  

Thank you very much John, these tips will help me quite a bit in drafting a letter and fixing these problems.

~Mary

What happens when you can't afford to put everything in seperate certified letters. I'd have to send at least 20 letters and thats just to ONE agency!!! I guess I worry too much because we got our house with no problem. They laughed off the collection on my account when I showed them my documentation but it irks me to no end these people can falsify information and not let you correct it!!!

Muffinhomer,

If you cannot afford the cost of sending correspondences, try to dispute online. It's simple and effective. You can check the link below for more assistance on online disputing-

http://www.debtconsolidationcare.com/video/disputecreditreportentry.html

Credit bureaus also allow consumers to place dispute over phone. You can try it if possible.

Once bureaus receive your request, they run an investigation by their own. If they find any discrepancy, they rectify it readily. No one can ruin your credit file purposefully, you have FCRA with you. Best of luck.