How do you remove old credit from your credit report?

Answer 1

You have to notify the credit reporting agency (eg. Experian, called a CRA) that you want it removed, in writing. They will want you to identify that you are the person requesting the change, by showing them you know things about yourself that others wouldn't know. You can only remove current items if you can prove they are incorrect or false with documentation or a court order. The agencies MUST tell you if and why something lowered your credit, or if someone rejected you, and why. Equifax, TransUnion and Experian are the 3 major CRA's, and you'll have to contact ALL THREE in WRITING to have your complete report changed. Here is their contact info:

• Equifax 1-800-685-1111 This one lets you get a free report if you have been denied credit in the last 60 days. Option 2. Make sure that you order only the credit report. Mail within 48 hours.
• TransUnion - 800-916-8800 - mail within 6 to 8 business days.
• Experian - 888-397-3742 - receive within 8 to 10 business days.

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• Experian

  NCAC

  PO Box 9556

  Allen TX 75013

  Equifax Information Services

  P O BOX 740256

  Atlanta, GA 30374

  TransUnion

  Customer Disclosure Center

  Trans Union Consumer Relations

  PO Box 2000

  Chester, PA 19022-2000