The information contained in this section IS NOT about repairing credit. We are NOT a credit repairing agency, nor would you be well served by using one of those agencies. This section is designed solely to assist you in correcting mistakes or errors on your credit report.


MOST importantly, this advise is offered only to assist with legitimate errors made by the credit bureaus or the reporting creditor(s).


Steps to remove negative credit items:


Step 1: To dispute an incorrect item on your credit file you need to first identify the items that you want removed.


Remember; DO NOT complete the Dispute Forms that the Credit Bureaus included with copies of your credit file that they sent you. It’s much more effective to follow the outlines in our sample letters.


Be sure to include a copy of your credit file and keep the original for your records. Highlight or underline the items you are disputing. Mail the dispute forms to the address listed on each credit file. As always, and most importantly, this advise is offered only to assist with legitimate errors made by the credit bureaus or the reporting creditor(s).


Make a photocopy of your dispute letter for your records and be sure to send it by Certified and Return Receipt Mail from your local Post Office. Mail your dispute form to the address provided with your credit file. Repeat this process for each item that you want removed or changed.


Step 2: After reviewing your updated credit file and finding that most or all the negative items have been removed, you may now focus on building a positive credit profile. Positive information will always outweigh a few negative items that may remain on your file.


This is extremely effective in removing any negative information that was supposedly verified as correct after your dispute.


Important: Always remember that if the dispute is sent in from anyone other than you, the Credit Bureau will suspect that you have paid one of those less than professional credit repair companies to repair your credit. This raises all sorts of Red Flags.


More credit repair techniques:


If the Credit Bureaus were able to verify any disputed information as correct, it would remain on your credit file. So you’ll need to contact the creditor who is reporting the information. The creditor who reported the item is listed on the left or bottom of your credit file. If their phone number is not provided, call directory assistance in their city and ask for the creditor’s telephone number. Call and ask them to mail you written proof and documentation that this is actually your account, assuming you do not believe the account belongs to you.


Federal Law requires that upon your request, all creditors must show you written proof that the account in question is in fact yours. Written proof is a copy of the contract you signed with the original creditor.


Again, all Federal Laws are in your favor. If you are sure an account is not yours and the creditor obviously cannot produce written proof that the account belongs to you, they must remove the account from your credit file and cease all collection activity.



We are in the business of obtaining the best possible loan to meet your needs and goals, we are NOT in the credit repair business. You can remove erroneous information from your credit report by following instructions contained in this section of our website, or seek the help of a true professional, NOT a “Credit repairing agency” – that is the worst thing you can do!


This website section has been prepared for general information purposes only. The information in this section is not legal advice. Legal advice is dependent upon the specific circumstances of each individual situation. Laws may vary from state to state. We are not lawyers. We do not offer legal advice. The issues discussed on this site are the expression of the personal experiences of laypersons. Finally, the information contained in this section of the website is not guaranteed to be up to date. Therefore, the information contained in this section cannot replace the advice of competent legal counsel licensed in your state.


Disclaimer of Warranty.
The materials, information and forms available in this section of the website are provided without any warranties, express, implied or statutory. Any and all implied warranties of merchantability or fitness for a particular purpose are hereby disclaimed.

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