Free Annual Credit Report Disputes
2010
What should I write to credit bureaus?
I hear time and time again that I should write to the credit bureaus to dispute negative accounts whether they are accurate or not. So I’m going to give it a shot but I need to know what to do first.
First, exactly what am I supposed to write? I have no idea how to do this.
Next, should I write a separate letter for each negative account to each credit bureau? That will take me forever as I have quite a few negative accounts.
How do I know if the disputes are removed or not? I only check once a year with the free annual report. Will the bureaus contact me?
If anyone has any other tips or advice I’d appreciate them all. Thanks in advance.
You must send the data below to all three bureaus:
1. Your letter should contain your full name, current address, date of birth and social security number. Start off requesting a revision of your credit history. In the body list all accounts one by one and along side each instructions on what you want done (show accounts closed, paid, remove accounts that are not yours, remove duplicate reporting of accounts.)
2. Include the following: A) copy of your ID (please make sure it is legible) B) copy of an item reflecting your date of birth (your birth certificate) C) a utility bill or past W-2 verifying your social security number and current address. D) Proof of paid accounts should be on creditor letterhead, addressing account number in question with a contact name and phone number.
3. You should hear from the bureaus in about a week or two. They will give you a complete report with the revisions made. After receipt of the reports you can go on-line with the report number and re-dispute items that were not cleared to your satisfaction.
It is boring and tedious, but worth the effort and it’s virtually free.
Good Luck
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