Credit repair, score & report

Hi reckless
You cannot remove negative accounts from your credit report if it is correct. But you can definitely remove incorrect info from your report by disputing it with the bureaus. You can find sample dispute letters if you visit the debt settlement letters section.

you can call or write "goodwill" letters to the creditor explaining what the situation was to get you into debt, and what you are doing to stay out of the same situation again. You can ask them to not respond to a credit bureau dispute, or ask them to alter how they report your tradeline. If you google or search here for goodwill letters you will probably find some that have worked for other people.
good luck!

i personally have had good luck calling the credit burea and disputing w/customer service reps..but if you are disputing something that may end up in court, i would not reccomend that method. depends on the item..if its a court case thing always crrm-other things i may use online dispute..but remember online and phone disputes you can't prove they happened....no paper trail..