One of the most effective ways to have negative marks removed from your credit report, is to challenge the accuracy or completeness of the information through a letter to the credit bureaus pursuant to FCRA 15 USC section 1681i. The only limit that is placed on your right to challenge information on your report is that the challenge should not be frivolous or irrelevant. It is best (though not necessary) for you to include documentation that supports your challenge. A sample letter challenging items as inaccurate and demanding their immediate removal is provided here.
A sample letter requesting the removal of outdated information is to be provided. Also, a sample letter requesting that excessive inquiries are to be merged or removed.Be sure to send the letter by certified mail with return receipt requested so that your efforts are fully documented.
If after a reasonable period of time (usually 4-6 weeks) the credit bureaus have not responded to your letter you should write a letter reminding them of their obligation under the law to investigate your challenged item(s). If the credit bureau fails to reverify the items that you challenged within a reasonable time (defined as 30 business days) from the date the credit bureau received your challenge, the Fair Credit Reporting Act gives you the right to have the disputed item removed from your report. A letter demanding that the items be removed for failure to reverify the challenged items within a reasonable time should also be sent.
After following the above procedure get another copy of your credit report (this should be for free) and make sure it reflects the proper changes.
Linear Mode
