F. Add Positive Account Histories to Your Credit File
Often, credit reports don’t include accounts that you might expect to find. Some major commercial lenders
don’t report mortgages or car loans. Local banks or credit unions often don’t provide information to credit bureaus.
If your credit file is missing credit histories for accounts you pay on time, send the credit bureaus a
copy of a recent account statement and copies of canceled checks (never originals) showing your payment history. Ask the credit bureaus to add the information to your file. While the bureaus aren’t required to add account histories, they often do— but may charge you a fee for doing so. Use Form F-27: Request Addition of Account Histories from Appendix 3 or on the CD-ROM to make your request.
It may be that credit histories for accounts you pay on time are missing from only one or two credit reports—the third report may have included all accounts when you received it, or you may have focused on cleaning up that report first. In this situation, a simple way to request that the bureaus not reporting the information add it to your file is to send them a copy of the credit report that includes all your accounts.
Taken From : Credit Repair by Attorneys Robin Leonard and Deanne Loonin
