How You Can Dispute Your Credit

To remove negative marks on your credit report you must dispute the credit bureaus. You have two methods to do this.

1. Create a dispute letter

This method requires you to create a dispute letter. In this letter you identify the negative mark you want removed and provide a reason why that mark is inaccurate.

Reasons typically include; item is out of date, information is wrong, not my account, account paid in full and etcetera. This letter will need to be sent to each 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 suggest a firm if you have multiple negative marks on your credit report. However if you only have one mark then I suggest do it yourself credit repair.

Upon receipt of your "valid" dispute letter the bureaus will hold an investigation. If the negative mark can not be verified then the bureaus must remove it from your credit history.

Be aware that it is common for bureaus to use stall tactics to avoid conducting investigations. This is because it costs the credit bureaus potential profits to conduct an investigation.

The Fair Credit Reporting Act says the bureaus must investigate a disputed listing and if it is found unverifiable it must be removed from your report. The difficulty is getting the bureaus to find 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.