| Disputing negative items on your credit report can | | | | respond to your dispute and the internet lacks the |
| significantly improve your credit rating, which would help | | | | ability for you to prove that time line. |
| you get the best rates and approval on car, home and | | | | But with traditional mail you can send your dispute via |
| credit card loans. | | | | certified mail and that way you know exactly when |
| Thanks to laws on the books there is a way for you | | | | they received your dispute letters. You want to also |
| to challenge items on your credit report if you feel they | | | | make sure that you dispute each account on your |
| are incorrect, misleading or unverifiable, but there is a | | | | credit report separately, do not send a letter |
| systematic process you must follow in order to make | | | | referencing multiple accounts at the same time. Under |
| sure your efforts are effective. | | | | the law the credit bureaus can classify your dispute as |
| This system begins with your method of | | | | "frivolous" which means that it has no basis and this will |
| communication. You want to make sure you only | | | | allow them to ignore it. |
| dispute accounts via mail. DO NOT use the internet to | | | | It is a good idea to start with the most recent negative |
| communicate with the credit bureaus, this is due to the | | | | account first. |
| fact that they have a time limit according to the law to | | | | |