You can initiate an investigation from many online credit reports by following the links online and checking the disputed items as directed to file a online credit report dispute. There sometimes isn’t a place for remarks, you’ll simply check a multiple-choice reason for each credit report dispute.
If Changes Aren’t Made
If the credit reporting agency says the original information is accurate, it must provide you with a written notice that includes the name, address, and phone number of the person who made the report. If you still disagree, initiate a second investigation.
Unfortunately, in the real world the reporting agencies often try to sidestep that requirement, giving you standard, computer-generated information rather than the facts you need to find the person or department who made the negative report. Keep plugging away until you have the answer you’re looking for.
If your attempts to correct an entry are unsuccessful, you can ask the reporting agency to insert a 100-character explanation next to it that explains your side of the story.
Sometimes You Hit a Dead End
I know from personal experience that it’s sometimes difficult to have information changed, even if you can prove it is incorrect. A family member has not been able to have an incorrect employer notation corrected, even though he has not worked at the company for many years.
The standard response from the credit reporting agency is that they would not have the information if he had not included it on an application for credit. They refuse to remove the incorrect notation, even though he has provided them with a letter from his current employer and several W2s.
Why did that happen? Someone likely keyed-in a previous employer as a current employer. Sometimes you simply cannot get through to them that errors exist.
Bankruptcies remain on your credit report for ten years, while other types of entries are generally reported for seven years. If an account that was previously past due has been brought current, and has been either paid off or kept current for at least a year, the creditor might agree to an early deletion of the past due references. This will help you repair credit history of the negative item.
Write a letter to your creditor and request that the negative entries be removed. They’ll often comply if they see you are up to date and handling your account in a positive way.
Another tactic you can use to clean up your credit report is to dispute a negative item even if you believe it is accurate, but you’ll have to follow your conscience to decide if that’s an ethical way to go. It would be smart to consider hiring a professional to help you so you can avoid hitting a dead end.
Professional services are surprisingly affordable especially compared to the expense of bad credit. Stop just living with these unnecessary expenses and get busy on fixing your credit today. Do it yourself or hire someone but get it done immediately.
http://www.instantcreditrepairletters.com Learn why the Free or Sample Credit Report Dispute Letters Will Not Work.