Although a business can claim it can remove information from your credit report for you, this is not true. The only person that can request something be removed from an individual credit report is the consumer who wishes to dispute an item. You will need to get in touch with the credit reporting agency to have something removed from your credit report. The three credit reporting agencies are Equifax, Experian and TransUnion.
Step 1
Request a free copy of your credit report. Before you can have something removed, you will need to have a copy of the report that contains the item in question. Through the Federal Trade Commission approved site, Annual Credit Report, you can receive a free copy of your credit report from TransUnion, Experian and Equifax.
Step 2
Compose a dispute letter to have an item removed from your credit report. The dispute letter should include the creditor name and item type that is inaccurate. You will also need to provide a reason why this information is inaccurate. For example, you might show a balance to a creditor even though you have paid the bill off in full.
Step 3
Provide copies of documentation that support your case. Some examples of relevant information include court records and payment stubs. Enclose these items with your dispute letter.
Step 4
Send the dispute letter, a copy of your credit report and support documentation to the credit-reporting agency through certified mail. The agency will launch an investigation to validate your claim and notify you of their findings. If proven, the item will be removed from your credit report.
Tips and Warnings
- Remember to notify the creditor of the inaccuracy. Otherwise, the company can continue to report the item even after it has been removed from your credit report. Some credit reporting agencies have online forms that allow you to submit a dispute from their company website.
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