Updating credit information letter
For friends and family members, you may want to send a handwritten postcard rather than using a formal letter.
If you’re not careful, you could unknowingly undermine your consumer rights – as well as the ability to successfully challenge your case – when disputing credit report errors.
Under the Fair Credit Reporting Act, credit reporting agencies such as Experian, Equifax and Trans Union are required to thoroughly investigate your credit report dispute.
So are the furnishers that supply your financial information to the credit bureaus.
Customer service representatives are available Monday through Friday (excluding major holidays) from 8 am to 11 pm Eastern time.
Box 740241 Atlanta, GA 30374-0241 Trans Union Consumer Relations P. Box 2000 Chester, PA 19022-2000 [Your Name] [Your Address] [Experian, Equifax or Trans Union address] [Date] Attn.: Consumer Relations Consumer Relations Dept.: I am requesting with this written notice that the following inaccurate items be removed from my credit report.If the bureau rejects the documents, you will be promptly notified.Phone: By toll-free telephone number at 800-916-8800.Once Credit Plus receives confirmation that the bureaus have been able to update credit information for your borrower, Score Plus will repull new credit and advise you to access the updated report and scores.While Score Plus is unable to guarantee a completion date, turnaround time to update credit information is typically 5-7 business days from the time your request is received.