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Delete Information

It’s natural to want to delete negative information from your credit report, since potential lenders and others you do business with can see the data contained in your credit history. However, depending on the type of information and when it first appeared on your credit report, it may not be possible or necessary to delete the information.

If the information is simply inaccurate, you may be able to dispute it and have it removed from your credit report. Other types of negative information, such as collection actions, bankruptcies, and late payments, will cycle off your credit report after a set amount of time has passed.

Because lenders and other businesses use your credit report to make decisions about you, it’s important for your credit history to be as accurate as possible. Review your credit report regularly to ensure you know exactly what information others will see when they view your credit history.

Removing Account in Dispute Notation

July 14, 2016

Dear Experian, How can I get the wording "account in dispute" removed from my credit report? - ADH

How to Remove an Incorrect Address from Your Credit Report

September 30, 2015

Dear Experian, An address for my bankruptcy lawyer suddenly appeared on my credit report as a single family residence and you won`t let me remove it. It says to contact...

Remove Incorrect Employment Information from Credit Report

July 31, 2015

Dear Experian, There is a previous employer listed in my credit report that I have never heard of nor worked for. How might this impact my credit rating, and how...

Requesting Removal of Delinquent Authorized User Accounts

December 18, 2013

Dear Experian, I am listed as an authorized user on two of my husband's accounts, one of which was charged off, and the other is in collections. They are showing...

Removing Ex-Spouse’s Address from Your Credit Report

July 3, 2013

Dear Experian, I had you remove my ex-wife's address from my report, and now it is back on there. I need to know why, and I would like it to...

Liable for Balanced Owed on Deleted Account

May 8, 2013

Dear Experian, Am I still liable for an account that I disputed and that was deleted from my credit report? - MGB

Deleting Accounts Because of Permanent Disability

February 13, 2013

Dear Experian, I was put on permanent disability between 2009 and 2010. I remember reading on some of my credit contracts that they would be dissolved in case of permanent...

Child’s Student Loans Appearing on Credit Report

January 30, 2013

Dear Experian, My wife got her credit report and an address that is not ours showed up. We need it removed along with two school loans that are not ours...

How to Remove an Incorrect Address from Credit Report

October 24, 2012

Dear Experian, You have me listed at an address I have never lived at. How is this removed? -DNW

Charges Sent to Collection in Error

June 6, 2012

Dear Experian, I disputed a charge off on my credit report and have a letter from the company stating the "charges were sent to collections in error," how can I...

Steps for Removing a Tax Lien Filed in Error

November 23, 2011

Dear Experian, I had a lien on my account in 1999 from the state of South Carolina for payroll tax. I have a letter from them stating that the lien...

Paid Debt is Not Deleted Immediately

July 20, 2011

Dear Experian, If you pay off a debt does it get taken off of your credit report with in a month? How does it get removed? Do you have to...