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If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.
If you do have valid negative items on record, here are some things that might help: Send a request for ?goodwill deletion? Writing a goodwill letter can be a viable option for people who are otherwise in good standing with creditors. ... Work with a credit counseling agency. ... Negotiate a pay-for-delete.
You generally cannot have negative but accurate information removed from your credit report. You can, however, dispute accurate information if it appears multiple times. Most negative information will remain in your report for seven years.
Information to include in your dispute letter Full name. Date of birth. Current address. Driver's license number. Social Security number (optional). The account number of the tradeline you're disputing (e.g., account number found on your utility bill, student loan bill or mortgage statement).
How to remove negative items from your credit report yourself Get a free copy of your credit report. ... File a dispute with the credit reporting agency. ... File a dispute directly with the creditor. ... Review the claim results. ... Hire a credit repair service. ... Send a request for ?goodwill deletion? ... Work with a credit counseling agency.