| The process of challenging items on your credit report | | | | Simply say to the credit bureau that you are |
| is not as difficult as it may seem. In this article I will | | | | challenging the item based on its validity or accuracy |
| review the steps necessary to accomplish this task so | | | | on your credit report and remember to include a copy |
| that you can get approved for car, home and the | | | | of your identification as well so they know they are |
| credit loans that you deserve. | | | | dealing with the right person. |
| The first step would be to have a list of all the | | | | When sending the letter make sure you send it with |
| negative items on your credit report that you want to | | | | delivery confirmation so that you are sure that the |
| challenge. Once you have that list you need to rank | | | | credit bureaus received it. This is also important |
| the items from most damaging to the least damaging. | | | | because they have thirty days to investigate your |
| It is a good idea to start with the one affecting your | | | | dispute. |
| credit rating the most. You would simply put together a | | | | You will then have an idea of how much time they |
| letter with attention to the credit bureau. In your letter | | | | have to complete their investigation of your claim. |
| you want to reference the account in question | | | | They would need to get back to you in writing of the |
| including the account number, company name as well | | | | outcome of their investigation. |
| as the balance on your credit report. | | | | |