text: fixing credit report,, please read this? if a person who becomes totally diabled and was in debt at the time they became diabled and there credit is being destroyed how can they add a letter of the truth of what happened to them in thier credit report, would this help in the long run? yes, you can request that a credit reporting agency add a supplement to your credit.  this will not help your score, but it does allow those who run your credit see your explanation for the default.  i am not sure of exactly how each company handles these requests, but if you report it to only one agency, then only one agency is responsible for attaching it to your credit.  they do have to attach the supplement but you may incur a small fee, since it is not a part of your actual report.  when in doubt just give them a call.  look below for the 3 major cras and contact info.