Update your credit report personal information

At each of the credit reporting agencies, Experian, Equifax, and Transunion, you should only have one name, one address, one phone number, and one employer. These identifying marks in your credit report profile are how collection agencies tie you to debt. If you have multiple outdated addresses, you may have outdated collections. You can easily update your credit report profile information online or with a phone call. When it comes to questioning the validity of items in your credit report, I suggest doing that in writing.