3) Prepare a letter to each of the 3 CRAs, TransUnion, Experian, Equifax asking them to delete all addresses/names other than your current one. (Incorrect, never lived there, etc). This takes away one method of verification when you dispute, if that negative is tied to that old address or name. (sample letter below) I have included all the address of the 3 CRA on that sheet (everyone has issues with Transunion, so dont worry about them). Just include one and delete the other 2 (so you should have 3 letters). Also, include a copy of your drivers license and a copy of a bill with the same name and address as your license (if your license contains your middle initial, use your middle initial and a bill that uses your middle initial and matches your address on your license). This will also give you free copies of your credit reports that you will need for account numbers and other info. Send these letters CERTIFIED MAIL with Signature Requested. Keep a copy of the receipt for your records. This should cost about 4 bucks and some change per letter. Sample Letter DoingDamage 666 Satan St. Lawrenceville, GA 30044 January 14, 2008 Trans Union Consumer Relations PO Box 2000 Chester, PA 19022-2000 Experian, NCAC PO Box 9556 Allen, TX 75013-9556 Equifax Credit Info PO Box 105518 Atlanta, GA 30348-5518 Dear Consumer Relations: Going over my credit report, I have found it contains many errors. I request your investigation of the following personal information. Please see the attached photo copy of my driver’s license for your reference. For the record: 1. My name is: DoingDamage. Please remove all other name variations IMMEDIATELY as they are not accurate! 2. My current address is: 666 Satan St. Lawrenceville, GA 30044 Please remove all other addresses IMMEDIATELY as they are not accurate! Please delete these disputed items. Thirty (30) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. Sincerely, DoingDamage SS #: 666-66-6666 DOB: 10/31/77
Posted on: Thu, 05 Jun 2014 14:53:34 +0000
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