You can get a duplicate entry removed from your credit report.
Errors by credit reporting agencies may result in duplicate account entries on your credit report.If these duplicate entries are delinquent or late, this will result in the same account having a double negative impact on your credit score and creditworthiness.To correct duplicate entries, contact the credit reporting agencies and request that they fix the error.
Step 1: You can get a copy of your credit report.
You can get a free credit report every year.The report contains information from all three credit reporting agencies.It can be accessed by visiting http://www.annualcreditreport.com/, calling 1-877-322-8228, or mailing your request to: Annual Credit Report Request Service, P.O.The box is located in Atlanta, GA.To access your report, you will need your name, Social Security number, and address.
Step 2: Look for duplicate entries.
Credit reporting agencies can report multiple entries for the same debt.The same debt can be reported to a reporting agency twice.Regardless of how it happened, you're left with a duplicate entry on your report that can have negative consequences for your credit score and ability to get a loan.If you think you see a double entry, double check the documents related to the debt and the account numbers on the credit report.
Step 3: Resale accounts should be checked.
If your creditor sold your debt to a collections agency, you will have multiple entries on your report.There is nothing you can do because the reporting agencies don't consider this a duplicate.If the collections agency sells that debt to another party, there may be more entries on your credit report that should not be there.It is possible to remove entries from multiple collections agencies.
Step 4: Ignore the reported student loan debts.
If you have multiple student loan debts, each disbursement counts as a separate debt on your credit report.If there are multiples of the same disbursement, there is no need to worry about having many student loan entries on your credit report.
Step 5: Supporting documentation should be gathered.
Documentation of the duplicate entries is required.There are duplicate entries on your credit report.If you can prove that the entry is a duplicate, you should include any statements or contracts you have with the lender.Your letter should include this information.
Step 6: Start your letter.
Start by addressing the letter.Your information and that of your recipient will be included in this.Your name is Address City, State, Zip Date Recipient's Name Title Company Name Street Address
Step 7: Give the information about the error.
Write down what you think is a duplicate entry.The company name and amount of the debt should be included on the credit report.An error has been detected in the attached credit bureau report.A duplicate of the same debt can be found in the following account and/or entry.This error has been attached to a copy.
Step 8: Request a response.
You need to make it clear that you want the duplicate entry eliminated.As possible, make your request clear and actionable.Your recipient has 30 days to investigate the dispute and respond to the Fair Credit Reporting Act.My credit report shows that you have submitted a duplicate of the same account.I request that your agency fix my account under the provisions of the 1977 Fair Credit Reporting Act.The Act states that I will give you a 30 day notice as of this letter's due date to fix the issue.The letter was sent with a return receipt requested.I expect proof of action from you within 30 days.I request a copy of my new error-free credit report from you in a letter stating that the account is fixed and error free.I will follow up with whatever action is necessary to correct my report if you don't hear from me.
Step 9: You can give them a way to contact you.
The bureau may contact you if you include your own contact information.You can write in your email address, phone number, and hours of the day.You can simply ask if they respond by mail, but keep in mind this is the fastest option.If you would like to contact me by email, please feel free to do so.You can call me during this hours.My phone number is unlisted.Sincerely, your name.
Step 10: You can dispute the duplicate entry by contacting your creditor.
Send a letter to the creditor about the duplicated debt entry.The creditor may have accidentally reported the debt twice.You should contact the credit reporting agencies to get the duplicate removed if they say there is no error on their end.
Step 11: Send your letter to the credit score companies.
There are three credit reporting agencies.To find out where you need to send your letter, visit their websites.You should send your letters via certified mail.You should keep a copy of your letter.
Step 12: You have to wait 30 days for a response.
The credit reporting agency has 30 days to respond to your dispute.If you haven't heard anything yet, contact each party and check to see if any changes have been made and what the problem is.You can either write a follow-up letter or call them.If you have to build a court case later, keep documentation of all of these communications.
Step 13: If the duplicate has not been removed, take further action.
Failure to respond within 30 days is a violation.If you haven't heard from the credit reporting agencies after writing follow-up letters, you should hire a consumer law attorney.If you take your case to court, you have a chance to win monetary compensation for court costs and damages.The entries on your credit report will be corrected.