How to Send an Update to a Credit Reporting Agency

Every consumer is entitled to one free credit report from each of the three credit agencies once every 12 months. Consumers should take advantage of that law and check their credit reports each year to make sure that the information is accurate. If you do see inaccurate information and need to update your credit report, you can use the resource websites below to find out what kind of information the agencies need to make an update. There is also a procedure you should follow to make sure your update is handled properly.

Instructions

1

Draft a letter to each of the three credit reporting agencies, based on the requirements for a dispute outlined in their websites. Avoid using email, as you will want to create a paper trail using certified mail delivery.

2

Mail the letter to each of the credit agencies with a signature certification that requires them to sign for the letter upon receipt. According to Military Money, the credit agencies have 45 calendar days from their date of receipt to respond to the letter and either let you know that the account you are disputing is valid, or that it has been removed or changed based on your request.

3

Send a second request letter to the credit reporting agencies if they have not responded within 45 days. Include a copy of your original letter with your new letter. Send this second set of letters with a signature confirmation as well.

4

Wait 15 calendar days from the date of the agencies' receipt for a response.

5

Mail a letter to the creditor if the credit agencies have not responded within the 60-day period. In your letter to the creditor, include copies of all letters sent to the credit agencies and the signed return receipts. Wait 30 calendar days from the receipt by the creditor.