How to Remove Fraudulent Items on your Credit Reports

by | Feb 3, 2020 | Uncategorized | 1 comment

Have you seen your credit report recently?  And if yes, how? Free apps such as credit Karma provide some information but they are not inclusive.

To remove fraudulent items you need to know what to remove, so we recommend going to our page:  where you can monitor your report.  viewing your report this way will not affect your score negatively.

To remove fraudulent items, you need to diligently follow the directions below:

  1. File a police report with your local police.  Make a few copies of the police report and keep them handy.
  2. Continue to view your report regularly and pick out anything that seems strange – make a note of them.
  3. Write a letter to the credit reporting agencies.  Your cover letter should include your name, phone number, address, social security number, and the fraudulent charges spelled out in detail.
  4. Mail the cover letter with a copy of the police report and a copy of the page of the credit report that has the fraudulent charge.  Include a copy of your Driver’s license and social security card.
  5. Mail three copies preferably by registered mail to each of the bureau’s following addresses below:

Equifax P.O. Box 740256 Atlanta, GA 30374-0256, 800-685-1111

Experian P.O. Box 9701 Allen, TX 75013 , 888-397-3742

Trans Union, P.O. Box 1000, Chester, PA 19022, 800-909-8872

Within a 30 day period, you will receive a copy of your credit report from the three credit reporting agencies.  When you receive your credit report, examine each line and make sure they have removed the fraudulent items you requested. Also, there are instructions on how to reach the bureaus if you still need help.

Refer to our blog for further questions: 

Any questions? Call us at 800-518-1077 Option 4