Ensure Accuracy. Protect Identity. Strengthen Your Middle Credit Score®.
Personal Information Correction Letter:
Even small errors in your personal information—like a misspelled name, old address, or wrong employer—can lead to major credit mix-ups.
The Personal Information Correction Letter helps you formally request updates or removals of inaccurate identifying details on your credit report, ensuring that your record accurately reflects you and not someone else.
At Middle Credit Score®, we provide free, easy-to-use dispute letter templates to help consumers correct their credit reports without paying third-party services.
This particular letter is part of our Credit Dispute Letters Support Center, which includes all 32 dispute types recognized under the Fair Credit Reporting Act (FCRA).
🔍 When to Use a Personal Information Correction Letter
Send this letter if you find:
- Misspellings or name variations (e.g., middle initials missing or incorrect).
- Old or unfamiliar addresses still listed.
- Employers or contact information that no longer apply.
- Incorrect Social Security digits or date of birth.
These details may seem minor, but inaccuracies in your personal data can lead to mixed files, where another person’s accounts or collections mistakenly appear on your report.
💡 Why This Letter Matters
Credit bureaus use your identifying information to match account data to your report.
If that information is wrong, it can:
- Cause inaccurate accounts to attach to your credit profile.
- Delay loan approvals or identity verification.
- Lower your Middle Credit Score® due to unrelated negative items.
By using this letter, you’re ensuring your report is precise, verified, and safe from data mix-ups that could harm your credit standing.
🧭 Step-By-Step: How to Send
- Review your reports from Experian, Equifax, and TransUnion for any outdated or incorrect personal info.
- List each item you want corrected or removed.
- Complete the Personal Information Correction Letter below with your accurate details.
- Include copies (not originals) of identification—like your driver’s license, utility bill, or lease agreement.
- Mail your letters by certified mail to each bureau for tracking.
The credit bureaus must verify and update your file, usually within 30 days.
🔗 Improve Your Credit Profile
After updating your personal information, continue strengthening your financial record with more free tools from:
➡️ Credit Dispute Letters Library and explore step-by-step education in the ➡️ Middle Credit Score® Academy.
🧠 Bottom Line
A Personal Information Correction Letter ensures your credit report is tied to you—and only you.
By maintaining clean, accurate identifying data, you protect your Middle Credit Score® and prevent future reporting errors that could hold back your financial goals.
Personal Information Correction Letter:
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Credit Bureau Name]
[Address]
Re: Request for Personal Information Correction
Dear [Credit Bureau Representative],
I have reviewed my credit report and found incorrect or outdated personal information. Please update my file to accurately reflect my current identifying details.
Incorrect Information:
- [List incorrect name(s), address(es), or employer details]
Correct Information:
- [Provide accurate current information]
I have enclosed copies of documents verifying my identity and address, including my driver’s license and utility bill.
Under the Fair Credit Reporting Act, please update my records accordingly and confirm these corrections in writing.
Thank you for your attention to this matter.
Sincerely,
[Your Signature]
[Your Printed Name]
⚖️ Disclaimer
The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each credit bureau or creditor may have its own procedures, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.
