How do you remove wrong things on your credit report ?

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jimjf

Joined: 19 Feb 2010
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Posts: 1

22 Magic Points

Subject: How do you remove wrong things on your credit report ?

Fri Feb 19, 2010 4:14 pm

There are things on my credit report that aren't mine. How do you get rid of them ? I think they might be my fathers, we have they same name.

debranewell2008

Joined: 10 Oct 2009
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Posts: 594

99 Magic Points

Sat Feb 20, 2010 3:43 am

Dispute it with the credit agencies. They will investigate it and if they find they are not yours then they will correct it.

cinnamngrl

Joined: 01 Nov 2008
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Posts: 1455

6339 Magic Points

Sat Feb 20, 2010 2:44 pm

First you dispute it with the credit agencies, but if this doesn't work you need to attack the credit furnisher directly.
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Aaron

Joined: 08 Feb 2010
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Posts: 2675

48566 Magic Points

Subject: remove wrong listing from credit report

Mon Feb 22, 2010 6:53 am

Hi Jim,

You can first dispute the item with the credit bureaus. However, attach the proof that the debt was not incurred by you. If the credit bureaus fail to remove it from your report, you can directly send a 623 report to the information furnisher.

Regards,

Aaron
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