Dear, It has come to my attention that some of the data in my credit report is [inaccurate/incomplete]. I have attached all of the necessary supporting documentation. Please feel free to contact me should you have any questions.In order to correct my report, I am asking that you update your records based on the following and enclosed information. I would appreciate it if you would update my report with this new information. When you apply for a credit card, mobile phone contract, overdraft or mortgage, lenders may look at your credit history, including how much credit you've been given and how you've managed your repayments.Based on this and other information asked in your application they will then decide whether you are likely to repay the credit they give you.If I get these deleted, how will affect my TL history, etc?do I have to update the old CCs that are closed with good payment history of my new address?Data not recorded on your credit report includes your employment history, savings accounts, criminal records, medical records, ethnicity, religion or political affiliation.Lenders use the information on your credit report to help them assess your financial behaviour.
If you find any inaccurate information on your credit report, you have the right to challenge it.Some questions may ask about monthly loan payments or the name of the credit provider for your loan, if any.Other questions may ask about your hometown, county, or phone number.Negative credit can damage your ability to rent or purchase a home, obtain credit or insurance, open a bank account or even get a job.According to a study conducted by Public Interest Research Groups (PIRG), 79 percent of credit reports contain mistakes.Keeping up to date with such information also helps prevent identity theft.