How to Remove Duplicate Information on a Credit Report


Annually, you are allowed to get a free copy of your credit report from each major credit reporting agency, Equifax, Experian, and TransUnion. You can access these reports from the Federal Trade Commission sponsored website, When reviewing your reports, you may notice duplicate information reported. You should have the duplicated item removed, especially if the item in question is negative information. These can make it appear as though you have more credit problems than you actually do.

Step 1

Write a letter to the credit reporting agency. You should draft your own letter since this will enable you to keep copies of all correspondence. Retrieve the mailing address from the credit reporting company’s website.

Step 2

Place your contact information in the letter. Your name, address, and phone number should be at top of the letter. If the credit report contains a reference number, include this number as well.

Step 3

Explain how the information in question is a duplicated item. Say that although the item is correct, it should not appear on your credit report twice. Request that the duplicate be removed immediately.

Step 4

Highlight the duplicated items on your credit report and enclose it with your letter. List the credit report as one of your enclosures at the closing of your letter. Send the letter by certified mail to ensure that the company receives it.

Step 5

Write a similar letter to your creditors after contacting the credit reporting agency. Request that duplicate information no longer be sent to the credit reporting agencies. Another copy of your credit report should be enclosed and the items highlighted. Send this letter through certified mail as well.

Tips and Warnings

  • The credit reporting agency will report back to you within 30 days to let you know whether the disputed item has been removed. If the agency has any questions about your dispute, it will contact you.