How do I Make Deletions From My Credit Report?

Your credit report contains detailed information about your financial status. It is accessed by lenders each time you apply for credit. If you've recently been declined for credit, it may be there are errors on your credit report. Alternatively, you may have some missed or late payments recorded. You need to get a copy of your credit file so you can check areas where you need your lender, and the credit reporting bureau, to make deletions from your credit report and improve your credit rating.

Instructions

1

Get all three credit reports--Experian, Equifax and TransUnion--from AnnualCreditReport.com. You can get them free once a year. Apply online, complete the simple application process and, in less than 20 minutes, you will be able to view your reports and check areas where deletions from your credit report may be possible.

2

Review each credit report carefully. Check for inaccuracies and make a separate note identifying details of the errors so you can arrange to get them deleted from your credit report.

3

Write to the credit reporting bureau and the lender. Ensure you clearly state your full name and address. List details of inaccuracies concisely and factually. Tell them the correct information and ask for errors to be deleted from your credit report. Provide supporting documentation, if possible.

4

Mail your letter, documents and a copy of your credit report to your lender and credit reporting bureau. The errors will be investigated and, if accepted, will be deleted from your credit report. Expect the investigation process to take about 30 days.

5

Check through the payment history section of your credit reports. Each lender you have credit with is listed. The report will show the amount you owe and your recent payment record. Highlight late or missed payments. Note the amount late or missed and each lenders name.

6

Pay each lender the amount necessary to bring your account up to date. Pay more if you can afford to. Ensure you set up automatic payments for the future to avoid paying late. Your payment history will be updated and, after approximately six months of on-time payments, your late or missed payments will automatically be deleted from your credit report.