Include all of the below information every time you correspond with the credit reporting agencies. Sign your letters.
- full name
- birth date
- social security number
- current address
- former addresses in last 5 - 7 years
- copy of driving license, showing current address
- copy of social security card
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 to obtain a free copy.
If you ordered your credit report, credit reporting agencies usually mail them to you within 15 - 30 days.
If you are disputing items on your reports, the credit bureaus must respond in writing within 30 days of receipt of your letter. That is the law. Always send your correspondence by registered or certified mail to somewhat protect it from loss and to have proof the credit bureau received your request during disputes.
