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Wonderhow

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Never lived at one address listed on my report how do I correct?

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Contact reporting agency

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if the item is not yours or reported ironiusly, Then file a dispute on line at the website for the credit bureau that is reporting it.  About 25% of all credit reports have wrong info on them. There are a lot of typos in the data entry world.  

Get free copies of all 3 of your crredit reports once a year at   AnnualCreditReport .com. File individual disputes on Any information that you want to challange with the agenciy reporting it.  Usually within 30 days the information will be corrected.  If they find that the info is accurate then you will have to decide how you want to proceed. But in general this action will correct the vast majority of disputed items.  

For older collections or items that are not corrected, follow up with a "Validation Letter"  Find a template and more info online, Google it. 

Good luck 

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