Disputing with Credit Bureaus
When disputing negative items on your credit report requires identifying the negative items that you want removed.
Once you have outlined which items you want to dispute, Do Not Use any of the “Dispute Forms” that the Credit Bureaus sent with copies of your credit report. It is simply more effective to follow the outlines of the sample letters included in with this book. Don’t forget to include only a copy of your credit report. You should keep the original for your records. Highlight all the items you are wanting to dispute. Mail the dispute forms to the address listed on the credit report
In order to dispute an inquiry on your credit report, you should simply write that you have never applied for credit with that institution.
Make a copy of your dispute letter for your records and do not forget to send it by “Certified and Return Receipt Mail”. Mail your dispute form to the address on your credit report. Repeat the process above for each and every negative item that you want deleted.
After you review your updated credit report make sure that most or all the negative items have been deleted. This book is very effective in repairing any negative credit information that was supposedly verified as accurate after your dispute.
Important: Always remember that you do not want a credit repair company to file a dispute on your behalf and if a dispute letter is sent from someone other than yourself, then the credit bureau will know that you hired someone to perform your credit repair. They know the tricks and this will not work as well as you sending it directly. If there are any negative items that you want removed from your credit report, such as a charge off, collection account or even a bankruptcy, you probably want to write that this item is does NOT belong to you and you want it removed immediately.
If the account in dispute has been completely paid off, but was severely past due at one point or another, DO NOT say that account does not belong to you. Instead, write that it is indeed your account but was NEVER past due at any point. You also need it to reflect that it was always current and on time.