debt

8 steps to rid credit report of old debt

Get all 3 of your credit reports
Get all 3 of your credit reports

Your three credit reports from consumer reporting agencies Equifax, Experian and TransUnion are not identical triplets.

The old debt in question might be listed in some credit reports but not others. To find out, get a copy of all three of your reports, says Magnuson. Federal law entitles you to request a free copy of each report once every 12 months. You can download or send for them free at AnnualCreditReport.com.

Once you find out which bureaus are listing the debt, contact them. Your credit report will include contact information and dispute instructions.

advertisement

Show Bankrate's community sharing policy
          Connect with us
advertisement
CARDS WEEKLY NEWSLETTER
Credit cards on a table

Get advice for managing credit cards, building your credit history and improving your credit score. Delivered weekly.

Debt Adviser

Pay off $50K card debt fast?

Dear Debt Adviser, I have a debt of $50,000 from balance transfers and credit line accounts. If I were to pay just the minimum due every month (which is what I can afford now) how long will it take to clear including... Read more

advertisement
Partner Center
advertisement

Connect with us