Page 7 - DIY; The Plug

Cleaning Up Personal Information

Log into all 3 bureaus and start a dispute:

o Personal Information Includes:

1. Names - Dispute ALL but the one name you primarily apply for credit under.
2. Address - Dispute ALL but your current address.
3. Phone Numbers - Dispute ALL numbers.
4. Employment- Dispute ALL previous and current jobs.
5. Spouse & any relatives - Dispute ALL persons listed as co-applicants or
relatives.

*If the bureau doesn’t allow a dispute of a name, address, or any other
personal information online, you’ll need to send a letter to each bureau. Please

see the “Cleaning up Personal Info” letter.

LESS information is BEST information. It is important to dispute as much personal
information as possible. Often creditors don’t have your social security number, all they
may have is your name and address. Creditors often link your name with your address and
report to the bureaus without ever having your social security number. Removing as much
personal information as possible makes the job of the creditor and bureau much more
difficult. Removing any prior address, variations of names, phone numbers, jobs, spouses,
any relatives provide a cleaner report as a result bureaus and creditors then find it
challenging to validate the debt.

PAUSE...

Before going on, wait 24-48 hrs.

Once you’ve received notification your personal information has been updated, then you
are free to start the next steps. If you mailed letters in this round, wait until you’ve received
notification from the bureaus your personal information has been updated.

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