Use the personal credit dispute attachment. Make sure your secondary credit bureaus are frozen FIRST. Remove all old addresses, employers, phone numbers, names, etc. Only 1 needed for each. Two ways to delete:📝 1.Simply call the credit bureau and tell the representative you need to update your personal information on your profile. Here are the phone numbers of the main credit bureaus: 1. Equifax: 1-888-EQUIFAX (1-888-378-4329) 2. Experian: 1-888-EXPERIAN (1-888-397-3742) 3. TransUnion: 1-800-916-8800. Here is a gem to know when removing old addresses to dispute negative items on your credit report: 💎 You can also call and get old addresses deleted, but if an address is connected to an account they may try to give you some static. The keywords to use when removing old addresses are saying "the addresses are undeliverable" nothing more, nothing less. Do not overcomplicate it. If one agent won't do it, hang up and call until you get the agent who will. Don't give up so easily because it can be done. I have personally called and got names, old address, and employers removed from my credit report without any issues or sending any letter. You should only have 1 name and 1 address on your report. Regardless of calling the credit bureaus to remove outdated information, still add the freeze to your secondary bureaus to increase your chances of removing the debt. 2.Upload Online via Credit Bureaus website: 💻 Personal Info Dispute letter-choose a personal credit dispute letter of choice below. Make sure to delete or archive the report you don't want and not include it within your letter. DL-front and back SSN Utility Bill-updated address state in description: I have never lived at this address

- LexisNexis: Gathers public record information, employment verification, and tenant screening reports. - SageStream: Specializes in residential property and tenant screening reports. - CoreLogic: Offers property data and risk assessment services for the real estate industry. - NCTUE: Provides information on past phone, cable, and utility bills. - ChexSystems: Creates reports on consumer banking history, including check writing issues or account closures. - Innovis is often considered the fourth credit bureau behind Experian, Equifax, and TransUnion. Innovis mostly verifies consumer information and doesn't sell credit reports for lending decisions

Here are two ways to remove hard inquiries from your credit report if they are not attached to an open line of credit. I also included the Hard Inquiry Letter 1. Contact the credit bureaus by phone using 24-Hour DFY Guide 2. Remove using Consumer Financial Protection Bureau (CFPB)- online process (favorite) 3. Remove using Consumer Financial Protection Bureau (CFPB)- online process -Youtube guidance

While navigating the Experian portal , just came across this useful information. If you're disputing items, particularly those in public records, you might need to freeze and opt out of LexisNexis to prevent those items from being verified. Read attached picture Hope that helps YOU. Good luck!🔥🚀🙌🏾

https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/