| The first step in the dispute process would be to take | | | | proof that the account is actually correct. During their |
| a good long look at your credit report so that you can | | | | investigation the only thing they should come up with is |
| list all the negative items that need to be disputed. | | | | the fact that the account is not yours and it should be |
| Keep in mind that it is not uncommon to find accounts | | | | deleted from your credit report. |
| on your credit report that do not belong to you! | | | | They have thirty days to get back to you with the |
| It is said that as much as 70% of credit reports contain | | | | result of the dispute. |
| errors, these are the types of items you want to | | | | It is important to also note that you need to dispute |
| dispute first if you find any of these errors on your | | | | each account individually on your credit report. Credit |
| report. In your dispute letter simply explain that the | | | | bureaus can call your dispute "baseless" if you try to |
| account in question does not belong to you and needs | | | | dispute multiple items at the same in the same letter. |
| to be removed from your credit report. | | | | If on the other hand you have negative accounts that |
| Include a copy of your driver's license as proof that | | | | you would like to dispute, you would follow the same |
| the account is not yours. The credit bureau at that | | | | process but this time your dispute would be based on |
| point would need to investigate with the creditor to find | | | | the fact that the item is not accurate. |