How to Clear Outdated Information on a Credit Report
- 1). Get a copy of your credit report from the AnnualCreditReport Web site (see Resources)--a Web site established by the nationwide credit bureaus to provide free credit reports as required by law.
- 2). Find the accounts that you want removed. Confirm that at least seven years have passed since the last payment on your credit accounts. Or confirm that at least 10 years have passed since the date of your discharge from bankruptcy and seven years have passed since a foreclosure.
- 3). Write a letter to the credit bureaus requesting that the information be deleted because it is outdated. Send the letter to the address on the credit report. Alternatively, you can enter the dispute online (see Resources). Wait for a response by standard mail or e-mail, depending on how you challenged the information.
