subject: Dispute Credit Information - The Best Ways To Dispute Negative Items And Get Them Removed [print this page] It is very disturbing to find inaccuracies in your report and more so if you have just been turned down a credit by some lender because of a low score. The only thought that comes to one's mind is that if these mistakes were not present my score could have been higher and then may be the loan would have got sanctioned.
What you need to do is to stay calm and work on the negative items on your credit report. It is legally possible to remove any inaccurate negative remark from your report. This article aims at telling you step wise how to dispute the negative items on your report.
How to dispute negative items on your credit report?
1.Take a copy of your credit report and mark all the negative items which you think are not correct.
2.Now you need to write a letter to the credit bureau who has reported this negative remark. The address of the same would be present on the report itself. In this letter you will need to explain each negative remark that you are disputing. If possible attach copy of any supporting paperwork that you have with you. But please do not send the original paperwork.
3.All this material must be sent through a certified mail requesting a return receipt. This will act as a proof that the packet had been received.
4.Now a similar letter will have to be sent to the creditor who has reported it. Again this letter should include the copy of the concerned paperwork. You will find the address for dispute on the billing statement. Usually the payment address is different.
Now the credit bureau will get back to you within a period of 30 days.
The process of bad credit repair can be time consuming. If you are working within a certain time frame and need a faster process, options are available. Reading through your credit report and eliminating the negative marks, through disputation, can erase bad credit. Visit the following link for more information on how to repair your credit quickly and legally:
