In this article I am going to share some tips with you that will help you remove some items from your credit report, even if they are yours. The credit reporting agencies are bound by the laws of the FCRA and FDCPA to report accurate information. Your name, address, date of birth, SSN etc. all need to be correct. Also the three credit bureaus are obligated (as well as your creditor) to verify any information that you dispute to be not valid within a 30-day time frame. Thirty days!



Ok, with the above in mind let's get to work. First off, I would advise reading up on the above reverenced laws in order to facilitate an effective campaign and also grab some of these laws verbiage so you can insert them into your dispute letters. Get your most recent credit reports from the three credit bureaus and go through them noting any negative information that you believe to be inaccurate. 30 day late, bankruptcies, charge offs, repossessions, there all coming off (as I am going to show you how) so stick with me here.

OK, now you are going to have to facilitate a letter (no not some form letter you got off the internet) that is different and creative. State why the item is not yours (maybe it isn't) maybe you had your identity stolen or your ex obtained credit in your name without your permission, so put that in there. By the way the last sentence is known as IDENTITY THEFT. Quote the laws that say they have to remove it because of this. Challenge the bureaus to validate the debt within the 30-day time frame or have it removed. A well-written letter is power full and any claims you put in it as grounds for removal, the bureaus have to prove other wise or remove it. Simple as that!

So now you wrote your letters (with some nice legal verbiage) and put the items that you are claiming are not yours in there as well. The next little trick I am going to mention works like a charm, don't ask me to explain why but I have had success with it and when I started doing this on letters It increased my success 10 fold. Notarize your letters, that's right go to a notary and have the letters notarized.

Now take the letters, include a legible copy of your SSN and drivers license, address them appropriately to each of the bureaus and send them out certified mail return receipt requested. The 30-day time frame will begin from the time they sign for it. Hold on to these receipts because you will need proof you sent them if you don't get your response back within thirty days. (This is another letter you can write to have the items removed because of failure to validate the debt in 30 days)

You should start to get responses back within 30 -45 days and I know you will see some items removed and some items will come back as verified. Do not worry you can just do another round, same process over again. In about three rounds you should have a pretty clear report and I am most sure that the bankruptcy you said wasn't yours is off of at least two of the three if not all. Keep it up, respond back with some better-written letters in response to theirs and always quote some laws. Between the laws quoted, notary and the simple fact that they only have 30 days to respond (to about a billion other dispute letters) you can clean your report if you stick to it. I guarantee it! O yea, it does not hurt to simultaneously dispute on line as well.