Credit report review checklist · Credit Freedom Society

1. Is your name correct?

2. Is your Social Security number correct?

3. Is your current address correct?Is your current phone number correct?

4. Are the previous addresses they have listed for you correct?

5. Is your marital status listed correctly?

6. Is the employment history they have listed for you accurate?

7. Is everything listed in the personal information section correct?

8. Is there anything listed in the public record information? Is it correct? Highlight the information you think may not be correct

9. Are the accounts on the list still open? Review each item under the credit account (trade account) section.

10. Are all of the current balances correct?

11. Are accounts where you are an authorized user or joint owner listed?

12. Are zero balances recorded for debts discharged in bankruptcy? For debts paid in full?

13. Are you listed as a co-signer on a loan? Is this correct?

14. Are accounts that you closed listed as “closed by the consumer”?

15. Is negative information reported on each credit account correct? Look for late payments and missed payments. Highlight those items you think are not correct. 16. Are any accounts listed more than once? Check to make sure the same account is not listed multiple times in the collections section.

17. Is old negative information still being reported? If yes, highlight the information that has exceeded the negative information reporting limit, which is usually seven years.

18. Do you suspect that you have been the victim of identity theft after reviewing your credit reports?

Pre-Qualified Links

Now you can see if you Pre-Qualify

Citi Bank

https://www.citicards.com/cards/credit/application/flow.action?isInvitation=Y#

Bank of America

https://secure.bankofamerica.com/login/eclo/entry/findCustomizedOffer.go

Chase

https://www.chase.com/prequalified

Credit One

https://www.creditonebank.com/pre-qualification/data-entry/index

Discover

https://www.discovercard.com/application/fmo?execution=e1s1

https://www.discovercard.com/application/prequal?execution=e1s1

Capital One

https://findmycard.capitalone.com/en/PageVersions/LandingPages/LP_ONE_V01.aspx

American Express

https://www.americanexpress.com/us/credit-cards/?suri=%2Fsecure%2Fmy-special-offers%3Fbtct%3DAMEX_APPLY_Main_SJ_N1_Bucket_ultimatePerfectCards:Targeted&ct11=AMEX_APPLY_Main_SJ_N1_Bucket_ultimatePerfectCards

US BANK

https://www.usbank.com/credit-cards.html

Link changes often

MERRICK BANK

https://onlineoffer.merrickbank.com/

Letters for the 3 credit bureaus.

DATE

NAME

ADDRESS

SSN

DOB

EQUIFAXPO BOX 740256

ATLANTA GA 30374

Dear EQUIFAX:

Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.

My current address is: [[Current Address]]

Previous address(es): [[Previous Address]]

Please remove the following address(es) from my report as they do not belong to me and are being reported in error:

Wrong Address: [[List wrong addresses here]]

I have included proof of my current address and previous addresses where available, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes.

Thanking you in advance.

Sincerely,

[[Your Name]]

ATTACH DRIVERS LICENSE AND SS CARD

DATE

NAME

ADDRESS

SSN

DOB

Experian

P.O. Box 4500

Allen, TX 75013

Dear EQUIFAX:

Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.

My current address is: [[Current Address]]

Previous address(es): [[Previous Address]]

Please remove the following address(es) from my report as they do not belong to me and are being reported in error:

Wrong Address: [[List wrong addresses here]]

I have included proof of my current address and previous addresses where available, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes.

Thanking you in advance.

Sincerely,

[[Your Name]]

ATTACH DRIVERS LICENSE AND SS CARD

DATE

NAME

ADDRESS

SSN

DOB

TRANSUNION

PO BOX 2000

CHESTER PA 19022

Dear EQUIFAX:

Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.

My current address is: [[Current Address]]

Previous address(es): [[Previous Address]]

Please remove the following address(es) from my report as they do not belong to me and are being reported in error:

Wrong Address: [[List wrong addresses here]]

I have included proof of my current address and previous addresses where available, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes.

Thanking you in advance.

Sincerely,

[[Your Name]]

ATTACH DRIVERS LICENSE AND SS CARD