For you to remove bad credit items from your credit history you must dispute the credit bureaus. You have two ways to do this.
1. Write a dispute letter
This option will require you to write a dispute letter. In this letter you will need to identify the negative mark and provide and explanation as to why it is inaccurate.
Reasons often include; account paid in full, item is out of date, information is wrong and etcetera. You will need to send this letter to every credit bureau.
2. Hire a professional credit repair firm.
Using this method the service will create a dispute letter on your behalf and send it to the bureaus. These services have advanced techniques to remove negative credit such as; debt validation, creditor direct intervention, and escalated dispute information requests.
I would suggest hiring a company if you have multiple negative listings on your credit history. However if you only have one or two negative listings you can remove them yourself.
Once the bureaus get your dispute letter and deem it valid they will conduct an investigation. If the item can not be verified then it must be deleted from you credit.
You should know that it is common for credit bureaus to use stall tactics to avoid conducting an investigation. This is because the bureaus spend potential profits when they conduct an investigation.
The Fair Credit Reporting Act made it law that credit bureaus must investigate a disputed item and if it is found unverifiable then it must be deleted from you credit report. The difficult part is getting the credit bureaus to deem you dispute letter valid.
If you are struggling with this then I suggest hiring a professional. However with persistence you can get the bureaus to deem you letter valid.
Often an investigation will result in the negative listing being removed. This is a result of lenders being unwilling to spend the time and money verifying debts.
Which ever method you choose negative credit can be removed from your credit report. You do not have to wait the full seven years.
1. Write a dispute letter
This option will require you to write a dispute letter. In this letter you will need to identify the negative mark and provide and explanation as to why it is inaccurate.
Reasons often include; account paid in full, item is out of date, information is wrong and etcetera. You will need to send this letter to every credit bureau.
2. Hire a professional credit repair firm.
Using this method the service will create a dispute letter on your behalf and send it to the bureaus. These services have advanced techniques to remove negative credit such as; debt validation, creditor direct intervention, and escalated dispute information requests.
I would suggest hiring a company if you have multiple negative listings on your credit history. However if you only have one or two negative listings you can remove them yourself.
Once the bureaus get your dispute letter and deem it valid they will conduct an investigation. If the item can not be verified then it must be deleted from you credit.
You should know that it is common for credit bureaus to use stall tactics to avoid conducting an investigation. This is because the bureaus spend potential profits when they conduct an investigation.
The Fair Credit Reporting Act made it law that credit bureaus must investigate a disputed item and if it is found unverifiable then it must be deleted from you credit report. The difficult part is getting the credit bureaus to deem you dispute letter valid.
If you are struggling with this then I suggest hiring a professional. However with persistence you can get the bureaus to deem you letter valid.
Often an investigation will result in the negative listing being removed. This is a result of lenders being unwilling to spend the time and money verifying debts.
Which ever method you choose negative credit can be removed from your credit report. You do not have to wait the full seven years.
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