Q: How do you submit a request to a credit bureau to remove derogatory information from your credit report?
If you are accessing your free report from annualcreditreport.com, I recommend you print a copy of the report from the website because once you leave that site, your free credit report will be gone for a full year. It can be a bit lengthy, so be prepared. But it is definitely worth printing out as you will have a reference copy that you can take your time with and check for accuracy.
The report has an address where you can request corrections. Reference the area or line item that you are trying to correct. Be sure to check the accuracy of names and address, as well as account information. Take your time as any inaccuracies can cost you valuable points on your credit score. If needed, you may have to supply documented evidence to challenge an item. By law you are entitled to challenge anything in that report and receive a response to your inquiry within thirty days. If your challenge is not approved, you have the right to re-challenge. Just make certain your evidence is solid.
Foe more information, check out our article on disputing errors on your credit report.
- Are Discover Card credit cards any good?
- Is a credit score of 725 considered good?
- Which bank offers the best debit card?
- Why do you rate American Express credit requirements as "good credit" to secure a card? I thought to qualify for an American Express card you have to have excellent credit.
- Supposing you have a perfect credit score of 800 or better; which credit card offers the highest credit limits?