When requesting a credit report or writing a letter to the credit bureaus disputing a negative item, it is a good idea to include all of the below information. The more information you provide to them at the beginning, the less likely you will get a letter back from them requesting additional verification — that only prolongs the process. Remember to always make copies of what you mail to the bureaus for your records and always remember to sign your request. You should provide:
- Your full legal name
- Your date of birth
- Social Security number
- Current mailing address
- If less than 5 years, include your previous address
- Copy of your driver’s license showing current address
- Copy of Social Security card – if your SS number is not on your driver’s license
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 you to obtain a free copy of your credit report.
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.