What Documents Do You Need For Credit Repair Success?

• You access your free weekly credit reports from Experian, Equifax, and TransUnion at AnnualCreditReport.com.
• Select each bureau individually to request your report.
• Verify your identity online with personal details like SSN and address.
• Call 1-877-322-8228 if you prefer phone requests.
• Mail a form from AnnualCreditReport.com for no-online-access options.
• Download and save PDFs immediately for credit repair review.

You gather your government ID and proof of address for certain credit repair verifications. Most standard disputes to Experian, Equifax, or TransUnion require no such documents. Credit repair services or actions like credit freezes may request them to confirm identity.

• Government ID examples: Driver's license, passport, state ID card.
• Proof of address examples: Utility bill (under 3 months old), bank statement, lease agreement.
• Keep copies scanned and organized for quick access.

You gather pay stubs from the last three months, W-2 forms or 1099s from the past two years, recent tax returns, and an employment verification letter from your HR department.

These prove your income stability and help credit repair pros negotiate debts or dispute inaccuracies tied to your finances. (Keep digital copies too; scan them now.)

Save your collection notices, account statements, and creditor contact info

• Save collection notices to reference debt amounts, dates, and collectors during disputes.
• Keep account statements as proof of payments, balances, and account history.
• Store creditor contact info, including phone numbers and addresses, for verification calls.
• Use these documents to challenge inaccurate collections on your Experian, Equifax, or TransUnion credit reports.
• Organize them chronologically to build a strong dispute timeline.

You keep judgments, liens, and related legal paperwork handy to prove errors on your credit reports from Experian, Equifax, and TransUnion. Gather court orders, satisfaction notices, or release documents now. These support your records as you review all items for credit repair.

You attach them to disputes only if they show a judgment or lien is inaccurate, incomplete, or satisfied (e.g., a vacated judgment). Valid, unpaid ones stay on your report until legally cleared. Submitting accurate paperwork alone won't remove them.

chronological timeline of events for each disputed item on your credit reports from Experian, Equifax, and TransUnion. Gather supporting documents like account statements, payment receipts, and correspondence to back it up. Write a concise cover letter summarizing the dispute and your timeline.

• List dates and events in order, such as "Opened account on [date]" or "Paid balance on [date]."
• Attach proof, like bank statements showing payments or creditor letters admitting errors.
• Highlight inconsistencies between your evidence and the credit report entry.

Submit your package electronically via the bureau's online dispute portal or mail it certified to ensure delivery. Track responses to strengthen future disputes if needed.

You organize credit repair files by category and track disputes in a consistent tool you use daily.

Create digital folders matching your documents: credit reports from Experian, Equifax, TransUnion; ID proofs; income papers; debt receipts; collection notices; legal docs.

Number steps to organize:

1. Scan all papers into PDFs. Name files clearly, like "Equifax_Report_2023.pdf".
2. cloud storage (Google Drive, Dropbox) or local folders. Back up weekly.
3. Label folders: "Credit Reports", "Debts Paid", "Disputes Active".

Pick a dispute tracker you stick to. A simple Google Sheet works best for most. Columns: Item Disputed, Bureau, Date Sent, Response Date, Status, Evidence Link.

Update it after every action. Review weekly. This keeps you efficient and prepared.

You share only copies of your credit reports from Experian, Equifax, and TransUnion. You provide government ID like a driver's license or passport, plus proof of address such as utility bills. You hand over account statements, collection notices, creditor contact info, paid debt receipts, settlement letters, judgments, liens, and dispute evidence with timelines. You organize files neatly using a tracker. You never share originals, full bank details, passwords, or unrelated personal info to protect privacy.

You file a police report and an FTC Identity Theft Report to prove identity theft for credit repair disputes.

Police reports detail the crime and investigation from your local department. FTC Identity Theft Reports create an official affidavit you use with credit bureaus like Experian, Equifax, and TransUnion (identitytheft.gov).

Visit your local police station with theft details and evidence like unauthorized statements. Complete the FTC online form, print the report, and keep copies for all disputes.

Gather your passport, Permanent Resident Card (green card), visa, and Employment Authorization Document (EAD) as a noncitizen. These prove your identity to credit bureaus like Experian, Equifax, and TransUnion.

Collect your I-94 Arrival/Departure Record and any I-551 stamp in your passport. Include your Individual Taxpayer Identification Number (ITIN) if you lack a Social Security Number.

You use these documents to verify your identity during disputes. They strengthen your credit repair claims and prevent rejection due to missing proofs.

• Keep dispute letters, creditor responses, and supporting evidence for 2-3 years after resolution (or longer if issues might reappear).
• Retain legal-status papers like judgments, liens, settlement agreements, police reports, and identity-theft filings for 7 years (longer for ongoing obligations).
• Hold account statements for at least 1 year after credit reports reflect corrections; shred earlier only if certain no future verification needed.
• Store paid debt receipts and settlement letters for 7 years from payment date.
• Save collection notices and creditor contact info for 1-2 years post-resolution.
• Keep government ID, proof of address, income docs, and employment records while valid or 1 year after use.
• Retain identity theft police/FTC reports permanently.