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On credit file can you dispute...

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BarryNTexas
Established Contributor

On credit file can you dispute...

Wrong addresses listed?  What about wrong phone numbers?  And finally how do you make sure your current employer is listed? 

TIA - Barry

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gdale6
Moderator Emeritus

Re: On credit file can you dispute...

You can call the CRAs or write a letter asking all previous addresses and phone numbers be deleted. If writing include copy of your current address from a utility or CC bill and a copy of your ID. To update your employer(s) you can go online to get it done.

Message 2 of 6
Involver
Valued Contributor

Re: On credit file can you dispute...

It's very easy to dispute this sort of information online.  It will usually be sorted out within a day.  I've recently cleaned up all 3 reports' personal information using online disputing only.

 

For more important disputes paper trails are more important.

Message 3 of 6
BarryNTexas
Established Contributor

Re: On credit file can you dispute...

I submitted the dispute online with Trans Union last night and today the made all of the corrections I requested.  Not too bad!  Now the others...

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
Message 4 of 6
-Wade-
Valued Contributor

Re: On credit file can you dispute...


@BarryNTexas wrote:

Wrong addresses listed?  What about wrong phone numbers?  And finally how do you make sure your current employer is listed? 

TIA - Barry


If you have a credit file # you can call them  and get it all corrected

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 5 of 6
-Wade-
Valued Contributor

Re: On credit file can you dispute...


@BarryNTexas wrote:

I submitted the dispute online with Trans Union last night and today the made all of the corrections I requested.  Not too bad!  Now the others...


do the others the same way you did that one

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 6 of 6
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