Remove Negative Items From Credit Report
Written by: Kristy Welsh
How to Remove Negative and Inaccurate Info off Credit Reports
If you remove negative items from your credit reports, you will definitely increase your credit score. As an expert in credit repair, we can help you fix bad credit through credit education and showing you how to use credit dispute letters. You can legally dispute your credit report and require Experian, TransUnion, and Equifax to investigate your negative items. If they cannot verify the information, they will have to delete it - which turns your poor credit rating into a better one!
What are the steps needed to remove negative items? You will first need to obtain a current credit report from all three of the credit bureaus. You can obtain a free report from www.annualcreditreport.com per year from each of the bureaus. After you have obtained your credit reports from Equifax, Experian, and TransUnion, you need to go over each entry very carefully to determine if the entry is a positive or a negative item on your report. It is relatively easy to determine this information. The information is usually categorized as such on each of our reports. You can also review the payment history for each creditor and if there are any late payments noted, those are negative items. You also want to look for any judgments, collections, charge-offs, repossessions, bankruptcies, or foreclosures on your reports. These are all serious "dings" to your credit score and will result in a poor credit rating.
Now that you have identified the negative items you will need to address, the next step is to write your credit dispute letters. You will need to write a letter to each bureau so that you properly dispute credit report entries and request they remove negative items from your credit report. Here is an example letter.
To properly document your credit repair efforts, you will need to send these letters out registered or certified mail and make sure to keep copies of all letters you send out. The bureaus are required to resolve consumer's disputes within 30 days. If they do not notify you within this time period, they will be required to remove all disputed items automatically.
After 30 days, you will be receiving a letter from each bureau with their resolution decisions - either they will state they removed the disputed items or they will state they verified the disputed items. Now, the next round of letters will be targeting the items they supposedly verified. In order to dispute these items, you will have to dispute these directly with the creditor.
If this seems too complicated, you can always fill out the form to the right and one of our credit counselors will handle all of this for you. For a small fee, you can hand over all of your credit worries to us and then you can sit back and watch your credit score rise.
Removing negative items from your credit report will increase your credit score. Our experienced credit repair staff can fix bad credit cases just like yours. You can always browse this site for a credit education and learn how to write your own credit dispute letters.
If you don't have the time to handle things on your own, we recommend Lexington Law. Turn over your poor credit reports from Equifax, Experian, and TransUnion and let one of the knowledgeable folks to dispute your credit report negative items for you.