| What
information should I provide when
requesting a report or disputing an item
on my report?
It's a good idea to include all of the
above information whenever you
correspond with the credit
bureaus. And do remember to sign your
request. You should provide:
- full
name
- birth
date
- Social
Security number
- current
address
- former
addresses in last 5 years
- photocopy
of driving license, showing current
address
- photocopy
of Social Security card
If you
have a letter denying you credit,
employment, or insurance within the last
30 days, a copy of the letter should be
provided, since this will allow to
obtain a free copy.
If you
ordered your credit report, within 10 to
30 days you should receive a copy of
your credit report from each of the
agencies.
If
you are disputing items on your reports,
the credit bureaus are required to
respond in writing within 30 days of
receipt of your letter. Also Note:
It's always a good idea to send your
correspondence via registered mail so
you have proof the credit bureau
received your request during disputes.
Registered or certified mail generally
costs under $2 at the time of this
writing
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