TRW has recently changed their name to Experian. Although the name may have changed the procedure for requesting your credit report still remains the same. If you find negative marks on your credit report, you should start by writing the credit bureau that is reporting the information you would like to remove.
It is urgent that you are aware that there are three major credit bureaus that collect your information. Those three bureaus are Equifax, Trans Union, and Experian (formerly known as TRW). One of the major downsides that these three bureaus have is they do not share information among one another.
One credit bureau may show that you have errors on your credit report. That doesn’t necessarily mean that the other two will show the same thing. The worst part is they may show totally different things. Sending a letter of dispute to one credit bureau does not take care of the errors shown by the other two.
In order to cover all of the bases you should get copies of all three credit reports, and dispute each one separately. When you submit a dispute you must provide your full name, address, and social security number. You should always attach a copy of the credit report that contains the errors you wish to dispute.
It is always advised that you highlight any negative marks that may appear on your credit report. You should also write a detailed explanation explaining why you feel that each item is inaccurate. It is also crucial that you include any supporting documentation that you may have.
Did you know that close to 70 percent of credit reports contains some sort of errors. If you find yourself as apart of that group - your application could go from the short list to the round file in a nanosecond.
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