Getting your credit report erased is actually impossible. While you can have individual derogatory items erased, you cannot get your whole report erased. Here is how to clean up your credit the right way.
Get Copies of Your Three Credit Reports
When you begin the task getting derogatory information on your credit report erased, the first thing you will need to get is a copy of your reports. Before you can have errors erased, you first need to know if there are any, and if so… what the errors are.
Getting your reports is easy– the three major credit reporting bureaus, Experian, Equifax, and TransUnion–are required by law to give you one free copy of your credit report each year. To order, visit AnnualCreditReport.com online or phone 1-877-322-8228. You can also mail your request to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Do not contact the three nationwide consumer reporting companies individually. They are providing the free annual reports online only through AnnualCreditReport.com.
Examine Them Carefully
Once you have your reports in hand, examine them carefully. Make a note of any charge you do not recognize. Also make note of any debt that was paid off but is still showing on your credit report.
The process for getting derogatory information erased, is to send a letter to the credit bureau for each item you are disputing. If you know an item has been paid in full, send documentation of the payoff along with your letter. All communications with the credit bureau should be sent via certified mail. Be sure to check the box marked “return receipt requested” so you will have proof it was delivered and accepted.
If you do not have documentation, you can still get information in your reports erased. As long as you notify the credit bureau in writing which items you are disputing, the credit bureau must contact the creditor, and request verification of the information. The creditor has thirty days to notify the credit bureau that either the item in dispute is accurate as reported, or that it is not accurate.
Be vigilant in getting derogatory information in your reports erased. In this day and age, your credit score has a huge effect on your life. Your credit score affects where you live, where you work, the kind of car you drive, and numerous other aspects of your life.