Credit Repair Help: Use This Checklist To Dispute A Negative Entry
Here are the steps you need to clean up your credit. Print out a copy of this to track your progress and keep a copy for your records.
Go to www.annualcreditreport.com and access your credit report from each of the three credit reporting agencies. They'll want personal details like your date of birth, social security number and two years of prior addresses. You'll be directed to each of the reporting agency's websites individually. You'll have 30 days to access your reports though what you see won't be updated during that time. Print out copies for your records.
Look through your reports to check for errors. Each report will probably have differences since not every creditor reports to every agency. If one agency removes something from your report, they are required to tell the other two to do the same.
Write a letter explaining why each of those negative items should not be on your report. Additionally, if you have an account that's in good standing that's not listed, you can have them add that. You'll need verification and it might be easier to ask your creditor to report it directly.
In listing negative items to dispute, include account names, numbers, dates, etc. Write why you're disputing it as well. Valid reasons are that it's an account you never had, the dates or amounts are wrong, etc. If you don't have a better reason, you can always say you don't recall having that account. I'm not saying to dispute items you know are true because most creditors have staff dedicated to verifying accounts and that won't get it off just because you listed it. Plus, lying can get you in trouble.
The items you must include are your full name with middle name and suffix, current and past mailing addresses for the past two years, social security number, and date of birth.
Include a copy of a government issued ID AND a copy of a utility bill, insurance or bank statement. NOT valid: credit card statements, voided checks, lease agreements, magazine subscriptions, or post office forwarding orders. If you don't include these items exactly, the reporting agencies will kick your letter back and tell you to do it again.
Send your letter USPS certified mail. If you don't, you run the risk of them "losing" your letter and you having no way to verify you sent it.
You can track the certified letter delivery online. The agencies are required to investigate and verify each item within 30 days or delete it off your record.
Now you can start building more good credit.
Find out how to do your own credit repair without an agency. Visit www.creditrepairsecrets.org for free credit repair secrets.
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Comments on Credit Repair Help: Use This Checklist To Dispute A Negative Entry
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Shortly after C was born I got a bill from the anesthesiologist for the d/c that I had after miscarrying the baby before C. They had apparently "forgotten" to bill my share, and "remembered" when they billed my epidural with C. I had already budgeted out as much as I was comfortable with paying off the bills from C's delivery, so I told them that they were going to get $20/month until I got everything else paid off. After two or three months, they offered a 50% discount if I paid it that month.
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