Third Step to Repairing Your Credit
“Remove Negative Items”
You have identified all of the negative items. The ultimate goal is to have as many of those items removed from your credit report as possible. There are two major ways to have them removed. One, they can come off due to statute of limitations, which ranges from 7 to 10 years. Two, which is the best way, they can be removed through a credit dispute process. That is the process which we will be giving guidelines concerning here.
Credit disputing is a simple process where you dispute any information on your credit report with either the credit bureau or the provider of the information. There are three ways to create credit disputes.
- Online
- By Telephone
- By Mail
For best results you will need to do it by mail. We will reveal why as we go along here. We will show you how to dispute with creditors and the credit bureaus. You can decide which one to to send to your credit disputes. Sometimes it will be best to dispute with the creditors and other times with the credit bureaus. The are six major reasons any item can be removed from your credit report.
- Inaccurate
- Unverifiable
- Outdated
- Unfair
- Incomplete
- Not Yours
For any one of these reasons information can be removed. Next we will discuss laws that were enacted by Congress to protect consumers. They are used for an advantage to have negative items removed from your credit file.
