How to Remove a Mortgage From a Credit Report

Your credit report provides lenders with information pertaining to your credit history. This includes previous and current loans, such as home mortgages. While positive credit information can remain in your credit report forever, you can remove inaccurate and negative credit information. This includes mortgage information that is incorrect or in error. You can remove a mortgage from your credit report as long as it is invalid or does not apply to you.

Instructions

1

Contact the information provider. This is the party who provided the mortgage information to the credit bureaus. The name of the provider is in the credit report. Notify the company that the mortgage information reported is inaccurate and should be removed from your credit report.

2

Write the major credit bureaus. Draft letters to Experian, Equifax and TransUnion (see Resources). State that you are disputing mortgage information contained in your credit report. Provide the details regarding the inaccurate information and ask that it be removed from your report. Include your name and address in the letters.

3

Mail your letters to the credit bureaus certified, return receipt. This provides you with proof of receipt and the date they were received.

4

Await the investigation results. The credit bureaus have 30 days to conduct an investigation after receiving your dispute letters. They are required to furnish the results of the investigations to you in writing. If any changes are made to your credit report, you are entitled to free copies.