How can I delete stuff on my credit reports?

Federal law requires credit reporting companies to delete any information that is outdated, inaccurate, unverifiable or misleading when it is brought to their attention. If your investigation of your credit results in a change or a deletion of the information contained within your report, you can request that Equifax send your revised credit file to any person or entity that received your credit report in the past 6 months for any purpose. For employment purposes, the length of time is 2 years.

Credit bureaus are legally required to investigate and correct wrong information, however, you have to point the error out to them.

Write a letter and describe the error and request an investigation. Send the letter by certified mail and return receipt requested to have proof they’ve received it.If they find the error, contact the creditor and ask them to send a written correction to all of its credit bureaus.

If you disagree with the results of the investigation, you can attach a 100 word statement of your version of the credit dispute to your credit report. Request a copy of your revised credit report to make sure it is correct.