Credit Repair

here are a few steps you must take to get your report updated. You must request a copy of your report directly from the credit agency. You can do this by getting your Free Credit Report from the Federal Trade Commission at www.ftc.gov. If you have applied for credit in the last 30 days you are entitled to a free copy of the report. You can pay for a copy of your report directly on the credit bureau sites. You must complete a dispute. You can try to dispute the information online with EACH of the 3 agencies. If you need to send them documentation then you will need to write a letter explaining the information to be corrected/removed along with a copy of your documents. The credit agency will process your request and send you a revised copy of your report reflecting the changes with in 45 days of the dispute. (The creditor has 30 days to verify the information is correct as reported or the info is removed. Then a couple of extra days for mailing stuff) Contact the creditor - ask for a copy of the application or what ever was used to set up the account. Inform them that you did not open this account and are trying to resolve it. When the collector calls let them know you are disputing the account, because you did not open it. If the account cannot be cleared in the above fashion you will have 2 choices: Pay the debt your self and be done with it. File for ID Theft.

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