Repair Credit Score

Credit File Stability (Continued...)

Your telephone number

Your telephone number especially if it's unlisted. If you haven't yet given the credit bureaus your phone number, consider doing so now. A creditor who cannot verify a telephone number is often reluctant to grant credit.

Your date of birth

A creditor will probably not grant you credit if it does not know your age. However, creditors also cannot discriminate against you based on your age.

Your Social Security number

Your bank checking or savings account number

Your bank checking or savings account number is is an excellent sign of stability. Again, however, you won't want to add this information if you've been sued or you think a creditor may sue you. A creditor with a judgment against you will likely use this information to try to collect.

Are credit bureaus required to add this information to your credit file?

Credit bureaus aren't required to add any of this information to your Credit Report, but they often do. They are most likely to add to your Credit Report information on jobs and residences, as that information is used by creditors in evaluating applications for credit. They will also add your telephone number, date of birth, and Social Security number, because those items help identify you and lessen the chances of "mixed" credit files. You may need to pay a small fee when a credit bureau adds information to your credit file.

What documents should I provide to credit bureaus when requesting them to add information to my credit file?

When requesting credit bureaus to add any information to your credit file, enclose any documentation that verifies information you're providing, such as copies (never originals) of your driver's license, a canceled check, a bill addressed to you, a pay stub showing your employer's name and address, or anything else
similar. Remember to keep photocopies of all correspondence.