TRW has changed their name to Experian. The procedure for requesting a credit report still remains the same. If you have errors on your credit report, you should start by writing the credit bureau that is reporting the information you would like to debate.
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.
Just because one credit bureau shows errors, doesn't necessarily mean that the other two will show the same thing. The worst part is they may show totally different information. Sending a letter of dispute to one credit bureau does not take care of the errors shown by the other two.
You should cover all bases by requesting copies of all three credit reports. Once you have all three credit reports in hand you sh ould then submit your letters of dispute. Make sure that you provide your full name, address, and social security number. Don't forget to attach a copy of your credit report which contains the negative marks that 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.
In as little as 3 minutes a day you could learn to erase bad credit like a real pro!
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