Key steps to remove a JPMCB card (JPMorgan Chase Bank credit card) from your credit report:
Get a Copy of Your Credit Report
Obtain a free copy of your credit report from annualcreditreport.com to identify the JPMCB card inquiry or account you want to remove.1
Report Fraud to JPMCB
- If you did not authorize the JPMCB card or credit inquiry, report it as potential fraud to JPMorgan Chase Bank.
- You can write a dispute letter to JPMCB at the following address:
JPMorgan Chase
P.O. Box 15018
Wilmington, DE 19850 - In the letter, explain that you did not apply for the card and did not authorize the credit inquiry. Request that JPMCB remove the unauthorized hard inquiry or account from your credit report.
File a Dispute with Credit Bureaus
- If JPMCB does not resolve the issue, you can file a dispute with the three major credit bureaus (Experian, Equifax, TransUnion) to have the incorrect JPMCB entry removed from your report.
- Provide any supporting documentation or evidence that the JPMCB card inquiry or account is inaccurate or fraudulent when filing your dispute.
Consider Credit Repair Services
You can also seek assistance from a reputable credit repair company, which can help guide you through the process of removing inaccurate or fraudulent items like the JPMCB card from your credit reports.
The key is to act quickly if you identify an unauthorized JPMCB card or inquiry on your credit report, as hard inquiries can negatively impact your credit score. Follow the proper dispute process with JPMCB and the credit bureaus, providing documentation to support your claim of fraud or inaccuracy.