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How to Remove Inaccuracies From Credit Report

According to an official study on credit report accuracy carried out by the Federal Trade
Commission (FTC); one in five consumers – culminating to more than 34% of Americans – find
one error or the other on their credit report.

The facts uncovered by this study is quite shocking and Disturbing, given the negative impacts it
can have on your credit score. And of course, it shows that you are not the only one experiencing
this situation. Millions of Americans find themselves in this mess too.

Although these credit bureaus try their best to ensure adequate and accurate credit information,
the inordinate volume of data makes consumer credit report error inevitable.

Before we dive in too deep, an important and fundamental question to ask yourself is; Can you
readily identify these errors by yourself?

How To Identify Vital Inaccuracies In Your Credit Report

To be able to access or review your credit report, you are entitled to a free report from the 3 major
consumer Credit bureaus each i.e Equifax, Experian and TransUnion. These reports contain
various information that ranges from employment history, payment history, to bankruptcy

Some very important and common Inaccuracies/errors you need to take note of include;

  • Inaccuracies in balance e.g Accounts with errors in credit limit.
  • Inaccuracies in your personal information e.g Errors which arise from identity data like phone number, address, incorrect name or names similar to someone else’s. This is a very important area to watch out for, because Inaccuracies like this, drastically destroy your credit score and render your credit unworthy.
  • Inaccuracies in Data Management e.g multiple appearance of your account with different creditors listed.
  • Inaccuracies in Reporting Account Status e.g incorrect reporting of accounts as late/delinquent, errors in inputting dates such as last payments, first delinquency, date opened, appearance of the same debt more than once or even inaccurate reporting of a closed account (s) as open.

Is It Possible To Remove Such Inaccuracies?

The good news is Yes! It is not only possible, but less time consuming, straightforward and Free!
What you have to do is keep yourself updated with information/contents like this from a reputable
source like

The next question you are probably asking is; Can I do this myself without involving a credit repair
agency? Once again, the answer is Yes! You can achieve this yourself. But just like any other win,
it requires you are guided on the right steps to take. All you need to do to remove that Inaccuracy
are covered below. So without further Ado, grab a snack and chair and peruse these steps.

Steps To Remove Inaccuracies From a Credit Report

To begin with, it is expedient that you are well aware of your rights to your credit history.
According to Fair Credit Reporting Act (FRCA), only accurate and truthful reports should be
provided by credit bureaus and lenders. This, you have all the legal rights to dispute and remove
Inaccuracies from your credit report.

STEP 1: Issue a Report To The Credit Bureaus

Once you have identified the Inaccuracies, we advise you report them/file a dispute directly with
the credit bureau either by website (online), by mail, or contacting them via phone. This will also
trigger an investigation by the affected bureau. We at highly
recommend that you file such dispute across all the 3 credit report bureaus ( Experian, Equifax
and TransUnion)

How to report such Inaccuracies online

Visit the credit bureau’s website dedicated for filing a dispute ( Equifax , Experian , and TransUnion ).
Some additional documentation will be required based on the information being disputed e.g birth
certificates, W-2 forms, Copy of utility bill, Current bank Statements with account information,
Cancelled checks, Bankruptcy schedules, Student loan disability letters, Valid driver’s license,
proof against identity theft e.g Police report, e.t.c

How to report such Inaccuracies via mail

We advice you include copies(not original) of the available documentations listed above to
supplement your dispute letter. You might still be in need of the original document down the road.

In case you are unsure about how to structure your letter, here is a sample template from the
Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

Here is the mailing addresses for each of the bureaus:

  • Equifax

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348

  • Experian

P.O.Box 4500
Allen, TX 75013

  • TransUnion

TransUnion LLC Consumer Dispute Center
P.O.Box 2000
Chester, PA 19016

After sending your letter via a registered mail, ensure you pay for a return receipt to be sure your
credit bureau got the mail.

How to report such Inaccuracies via phone

Experian – (888) 397–3742
Equifax – (866) 349–5191
TransUnion – (800) 916–8800

STEP 2: Proper Recording

Be sure to keep a proper record of everything and every step, from your documents, your letter,
down to the return receipt.

STEP 3: Issue a Report To The Furnisher/Information Provider

These are the banks/credit card company also referred to as Lenders. They are required to
investigate and respond to all disputes. Be sure to include a copy of your credit report highlighting
the section with Inaccuracies.

The credit bureau will also reach out to the lender with all evidences you’ve provided. Then the
lender will conduct their investigation and report back to the credit bureau which in turn effect the
required changes. The Credit bureau is then mandated to get back to you (in writing) about the
outcome of the dispute.

STEP 4: Closely Monitor Your Reports

The last part of the puzzle is to make sure you closely monitor your reports. It usually takes about
30 days for credit bureaus to get back to you on the outcome of your dispute. If the lender keeps
reporting the disputed Inaccuracies, confirm that they got your dispute and also confirm whether
the credit bureau placed a notice informing the lender of your dispute.

Be sure that the Inaccuracies (If true) will be removed from subsequent reports. We at are committed to helping you achieve this feat as you
embark on a journey to a good credit score.