how to get erroneous account deleted from your credit report

How To Get Erroneous Account Deleted

CREDIT DUSTERS | UNLEASHED

Holding The Credit Bureaus Accountable

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A brief history of the Fair Credit Reporting Act





Understanding the past helps to see the present

• Passed in 1970• Gave massive power to consumers• Force the credit bureaus to maintain accurate information• A framework for the dispute process





The State of Present

Section 611 of the FCRA is what gives us the power to dispute the accuracy of an entire account. In this way, we are able to have items we believe are wrong completely deleted from our account.





Definition of Dispute

Dispute simply means that you disagree with the account and/or information within the account (i.e. late payments, amount due, open date)..

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Tackling some myths of dispute process

• It is not wise to send supporting documentation when attempting

to get an account deleted

• Paying off collections does not delete the account





The true power behind the dispute process

• The burden of proof concept when it comes to credit repair.• Take a holistic approach and work on all accounts you believe are

not correct. • Categorize accounts based on the reported credit bureau• Accounts need to be listed with the name of company, account

number, and the amount – all this from the report.





The Dispute Letter

• Full Name• Address • Driver’s License (need to match address provided)• Cell Phone or any recurring bill (If License does not match address provided)• Social Security Number & Date of Birth

The contents need to include:





The Dispute Letter

The Body of Dispute:

A paragraph stating you have been turned down for important credit due to the erroneous accounts on your report. You are aware of the law under the FCRA and your rights.

The letter will then list out all the accounts you believe are not yours including the name of the company, the account number as shown on the credit report, and the amount.





Mail The Letter(s)

ExperianP.O. Box 9701Allen, TX 75013

TransUnion, LLCP.O. Box 2000Chester, PA 19022

Equifax Credit Information Services, Inc.P.O. Box 740256Atlanta, GA 30374





Wait 30 days and pull your credit report


The credit bureaus have 30 days to complete the review of the dispute. After 30 days from the Point you sent the letters pull your credit report and compare it with the previous report.





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have used for 8+ years with our clients

• Automated software that sends email alerts when it is time to complete the next task

Check out:http://www.creditdusters.com/self-starter

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