How to Fix Credit Report Errors
If you look at your records and find that there are some negative marks on your report that ought not be there, you should look into fixing them as soon as possible.
The best way to do this is to follow the steps below:
Step #1-Get a free copy of your credit report. You are entitled to receive one every 12 months that shows information from all three major credit bureaus (Experian, TransUnion, and Equifax).
One way to speed up the process of obtaining a copy of your records is to use a secure online portal to do so. When you do you can get it instantly. By the way, you should make an extra copy of these records before you continue on to STEP #2.
Step #2-Examine your credit report carefully. If you notice any errors, mark them and code them somehow, either with a highlighter or some type of numbering and lettering system.
Whatever coding method you use, it should make the errors easily visible. This ensures that you are able to prove that errors on your records do exist.
Step #4-Gather your supporting documents. For instance, you may need to obtain receipts or you need to somehow prove that you did not make a certain purchase. If you have any questions about what documents would help prove there are indeed errors then you may need to contact a credit repair counselor.
Step #5-Write a credit repair letter. You can do this very easily while using templates as guidelines. However, remember these templates should only be used as ideas of what to say but the letter should essentially be in your own words. When you are finished writing it, the letter should be sent to the appropriate office, such as to a creditor, merchant, or a collection agency.
IMPORTANT: To make it easier for the recipient of your letter to spot the errors on your files using a numbering/lettering system in your letter that matches the on you used to make mistakes stand out when viewing your files.
Step #6-Make copies of your marked-up credit report. This will be useful in case you have to send multiple letters to fix credit report errors. It helps if you make a copy of the letter you have written and save it as your own template you can revise to send to the appropriate bureaus, agencies, and companies.
Step #7-Send your letter. It is best if you deliver by certified mail and get proof of delivery and/or confirmation of delivery once it arrives to the right destination.
