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The 609 Dispute Letter theory is if you ask the credit bureaus for information they clearly cannot produce as part of your dispute letter, like the original signed copies of your credit applications or the cashed checks used for bill payment, then they would have to remove the disputed item because it's unverifiable.

You'll need to dispute it with any credit reporting agency that's showing it on your credit report. The collections account information is correct, but you've made steps to remedy the situation. In this case, you can write a goodwill letter or pay for delete letter to ask for the account to be removed.

You cannot remove negative items from your credit report unless the information listed is incorrect. If the entry is an error, you can file a dispute with the three major credit bureaus to have it removed, but the information will remain on your report for seven years if it is accurate.

You can submit a dispute to the credit reporting company by phone, by mail, or online. Explain the error and what you want changed. Clearly identify each mistake separately, state the facts, explain why you are disputing the information, and request that it be removed or corrected.

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.

How to get a copy of your credit report Online by visiting AnnualCreditReport.com. By calling 1-877-322-8228 (TTY: 1-800-821-7232) By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.

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.

How to Clean Up Your Credit Report Pull Your Credit Reports. ... Go Through Your Credit Reports Line by Line. ... Challenge Any Errors. ... Try to Get Past-Due Accounts Off Your Report. ... Lower Your Credit Utilization Ratio. ... Take Care of Outstanding Collections. ... Repeat Steps 1 Through 6 Periodically.