Adding a statement to your credit report can be a useful way to provide context or explanation for certain negative information. Here are the general steps to add a statement to your credit report:

1. Prepare Your Statement:
   • Write a concise statement that explains the circumstances or context for the negative information on your credit report. Be clear and factual in your statement.
2. Contact the Credit Bureaus:
   • Reach out to each of the three major credit bureaus: Equifax, Experian, and TransUnion. You can contact them by mail, online, or by phone to request the addition of your statement.
3. Request a Free Statement:
   • Let the credit bureaus know that you would like to add a statement to your credit report. Be sure to specify which accounts or entries the statement should apply to.
4. Include Identity Theft Information (If Applicable):
   • If you have been a victim of identity theft, you can add this information to your statement as well. This can help explain any fraudulent accounts or inquiries on your report.
5. Check the Bureau’s Requirements:
   • Each credit bureau may have slightly different requirements for adding statements to your report. Ensure that you follow their specific guidelines and procedures.
6. Online Updates (If Available):
   • Some credit bureaus allow you to update your statement online through their websites. This can be a convenient and efficient way to add or modify your statement.
7. Follow Up:
   • After submitting your statement request, follow up with the credit bureaus to confirm that it has been added to your credit report as requested.

Remember that while adding a statement can provide context, it may not have a significant impact on your credit score or how lenders perceive your creditworthiness. It’s most effective for explaining specific situations, such as identity theft or extenuating circumstances, rather than as a means to improve your credit rating.