| There are many different ways you could have | | | | situations you might have to take extra steps to |
| negative items on your credit report, which might have | | | | accomplish your goal. But the answer to the question is |
| been to no fault of your own. You might have also | | | | yes, you can dispute negative items and having them |
| heard a lot of noise in reference to having negative | | | | deleted from your credit report. As a matter of fact, |
| items being deleted from your credit report by what is | | | | any collection account that is older than seven years |
| known as a dispute. | | | | on your credit report needs to be deleted. The letter |
| The truth of the matter is that you can have negative | | | | explaining this to the bureaus is all that is necessary in |
| items deleted from your credit report with the right | | | | this situation. |
| information, that is the key. Your approach to getting | | | | Understanding the laws that congress has put in place |
| this done will depend on your situation. The most | | | | is critical to successfully disputing items on your report. |
| common approach is to first of all dispute the item with | | | | You have to know the exact language to use in your |
| the credit bureaus. This is done by writing them a | | | | letters to the bureaus, this is the only way they will |
| simple letter explaining the reason why the MUST | | | | take your dispute seriously and respond to you in a |
| remove the account from your report. | | | | timely fashion. The process is not as hard as people |
| Sometimes this is the only step necessary, in other | | | | make it seem to be. |