Wisdom Steps 101
Here is a free universal credit dispute form for Experian Equifax and Trans Union
Full name: Last__________________ First ________________Middle _______
Current Address__________________________________________________________
Former Address_________________________________________________________
Social Security #________________________ Home Phone__________________________
Date of Birth___________________________ Work Phone__________________________
Employer_____________________________ Spouse Name__________________________
Spouse Social Security #_________________

Credit Report Dispute / Account Information Dispute Section
Company Name__________________________
Account Number:___________________________
This information is inaccurate because:
___ This is not my account.
___ I have never paid late.
___ This account is in bankruptcy.
___ This account is closed.
___ I have paid this account in full.
___ I paid this before it went to collection or before it was charged off.
___ Other:______________________________________________________________________________________



Company Name__________________________
Account Number:___________________________
This information is inaccurate because:
___ This is not my account.
___ I have never paid late.
___ This account is in bankruptcy.
___ This account is closed.
___ I have paid this account in full.
___ I paid this before it went to collection or before it was charged off.
___ Other:______________________________________________________________________________________



Company Name__________________________
Account Number:___________________________
This information is inaccurate because:
___ This is not my account.
___ I have never paid late.
___ This account is in bankruptcy.
___ This account is closed.
___ I have paid this account in full.
___ I paid this before it went to collection or before it was charged off.
___ Other:______________________________________________________________________________________



Company Name__________________________
Account Number:___________________________
This information is inaccurate because:
___ This is not my account.
___ I have never paid late.
___ This account is in bankruptcy.
___ This account is closed.
___ I have paid this account in full.
___ I paid this before it went to collection or before it was charged off.
___ Other:______________________________________________________________________________________
Mail/call the appropriate credit bureau.
Experian
P.O. Box 2104
Allen, TX 75013-2104
1-888-397-3742

Equifax
P.O. Box 740256
Atlanta, GA 30374
1-800-997-2493

TransUnion
P.O. Box 2000
Chester, PA 19022
1-800-888-4213