You can dispute negative items on your credit. In some cases, the negative item can go away in 30-60 days. This doesn't always happen, but it is nice when it does.
Fixing you credit will seem overwhelming at first. But if you stick with it, then you will see that it does work. With a little persistence, most items can be removed permanently.
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The biggest reason that credit repair works is because you are considered innocent until proven guilty. That means it is the credit bureaus job to determine if a negative item should stay on your report.
Many people have inaccurate information on their reports. Federal law says that you can dispute anything in your report. We recommend you send a detailed letter by certified mail to the credit bureau.
Yes, you can dispute online, but we don't recommend that. Why? There is no paper trail. Your letter should have detailed info on your dispute. Put in your name and address.
In addition, identify each item you are disputing. Say why you are disputing it and ask them to remove it from your report. File copies of the letter, envelope, and certified mail receipt.
You can even mail your letter return receipt requested. Then you have proof they received your letter. The bureaus have 30 days after they receive a dispute to investigate it.
If they can't verify the negative item, then they must remove it from your record. Credit bureaus issue a lot of requests for verification to lenders every day. The people at the lenders get backed up.
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