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stamatakis86

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how can I get my acct info to send dispute letters to the credit bureau?

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Begin by requesting a copy off all three credit reports from annualcreditreport.com, and identify exactly what is erronous on your report. If it's something simple like an address you never lived at, simply write them a letter asking to ammend the error. Remember, if you ever put a different mailing address on any of your credit cards or loans, it will very likely show up on your report. If there is an account opened in your name that you don't recognize, file a police report for identity theft, and contact the issuer of the account to mark the account as fraudulent. Be ready to supply them with some info such a copy of the police report. From there, the issuer will conduct an investigation of their own to determain the legitimacy of the account. Assuming they find their investigation to prove you did not open the account, you will get a letter stating such. Finally, send a certified letter to each credit agency with a copy of this letter, and a statement showing exactly what item from your credit report you are disputing.

Alternatively, you could just dispute directly with the credit agencies, but proving the account is invalid first has much more success, and a police report for identity theft along with a dispute will allow you more credit protection from the agencies if you opt into it.

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