Multiple errors on credit report-can I fix with one letter?

[ArnoldIsMyIdol]

I see a bunch of stuff wrong on my credit report-I am just looking at Equifax right now so I have not checked the other two. Can I just send one letter to them and address all these problems?

This is what I found:

2 hard inquires from accounts I had during BK, that I did not authorize

One of my previous addresses is a PO box I never used.

Three accounts showing charge offs, that don't say "Included in Bankruptcy"

A Voluntary surrendered vehicle that shows Repossession, and does not say included in bankruptcy.

Should I also send a letter to the creditors? The biggest offender is my former credit union that has 2 accounts showing charge off and the repo.

[tinroofrusted]

Don't count on it.

I am now nearly 2 years out, and am STILL fighting with two companies.......

[JeepMom]

I usually write everything in one letter and everything gets attention, not always how I would like but yes, they do get addressed.

[Spiritwovles_2]

Im working on rebuilding our credit now and what i have done for each of us *(dh and i) is for each credit company(transunion,experian,equifax) i wrote letters stating what errors were on each individual report. (transunions errors were addressed in a letter from me to them with all the corrections i n eed done on my report, then same thing with dh and his transunion report a seperate letter disputing those errors and so on. Hope this helps and i didnt confuse ya.

[anonymuse]

Just make it very clear in the letter--use bullets or numbering to separate the paragraphers. Sometimes you need to take them through baby steps with this kind of thing.

[ArnoldIsMyIdol]

Just make it very clear in the letter--use bullets or numbering to separate the paragraphers. Sometimes you need to take them through baby steps with this kind of thing.

Maybe I should draw some diagrams too =D