So you get your credit report and notice a mistake on it. Don’t despair, there is a way to remove errors on your credit report. You’ll need to compose a credit report dispute letter. Get your credit report from the major credit bureaus like Experian, Equifax and TransUnion. See if the mistake shows up on all 3 or on only one or two of them. Send the letter to the one(s) who have the mistake on it. You should also alert the company who reported the inaccurate information so they can correct their records as well.
Here is a sample credit report dispute letter.
Name of Credit Bureau
Mailing Address of Credit Bureau
City, State, Zip
Recently I obtained a copy of my credit report and have found incorrect information.
I have attached a copy of my credit report with the items I am disputing circled in red.
This item (identity the precise one), which is a (identify what it is) is inaccurate because (explain why).
I am attaching copies of (explain what documentation you are providing as proof such as payment records) to support my claim.
Please re-investigate this and delete the disputed items as soon as possible.