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How to remove negative information from your credit report.

Reading your free credit reports:
When you receive your credit reports study the information closely. The bureau may have sent you a sample report. Which would explain how to read your report. If you have any questions about your report contact the bureau, they will be happy to assist you. Your three credit reports may not all have the same information on them. So be sure to study each one separately.

Credit Report Dispute:
Once you have identified the information you want to remove, it is time to write your dispute letter. If a dispute form or research form was not provided by the credit bureau, you can write your own. If you write a dispute letter, make copies and keep good records. If a conflict arises you will have proof of your disputes. If you need an account removed as soon as possible, you may want to use the phone dispute for a speedier process. Be sure to document the date you start the investigation and confirmation number. You should receive the results from the credit bureaus investigation in aprox. 30 days. Stay in contact with the bureaus.
Once you receive the results from the first dispute. Identify any information still remaining that you would like removed. Call or write the credit bureau and start another investigation. Repeat this process, five or six times, or as many times it takes to remove the information.

Negotiate With Creditor:
If you have disputed your information to the credit bureaus, and the negative or incorrect information still remains on your credit report. The next step to your credit restoration is to negotiate with the creditor or company on your credit report. You can receive the company’s address and phone number from the credit bureau, which is reporting the information.

Step 1
To dispute or negotiate the information with the creditor you can call or write them. Contact the person in charge of reporting the information to the credit bureaus. This may take a while and you may get the run around, but this is the only person who has the authority to remove the information from your credit report.

Step 2
Once you have contacted the main person in charge of reporting the information, ask for a fax number. You will take up less of their time and you can fax your request to them. Explain your situation in full detail and tell them what you would like to do. If you want to delete the late payments off your account tell them why. Example, you are trying to buy a car or a house. Some companies will be happy to help you and some will not. Here are some ideas.

· Ask the creditor if they are willing to remove the negative information. In return you will buy additional goods from them or open another account.

· If the account is a charge off and is not paid in full, ask if you do pay the account off would they change the status of the account or delete some information.

Remember the company you are dealing with is in business to make money, not to be a pain in your side. Every situation is going to be different. On the following page is an example of a customer dispute with creditor.

100 Word Statement:
You have the option to tell your side of the story. Is some information still remaining on your report that you want removed? Under the “Fair Credit Reporting Act”, you have the right to add a 100 word statement to your report. If you were laid off from work, an illness, or depression caused you to be late with a couple payments, or you don’t even think the account should be on your credit report. Including a statement with your report may increase your chances when applying for a loan. Contact the credit bureau for more information about adding a statement to your credit report.

Credit Tips:
· The best repair technique: Ask the credit bureau to verify the information. The bureaus by law have approximately 30 days to process your dispute and contact the creditor. The creditor has to find your account information and prove the disputed information is correct. If the creditor can not verify your information the information is removed from your report. If the creditor does not respond to the credit bureau in the allotted time, the information is automatically removed from your report. The “Fair Credit Reporting Act” states that credit information has to be removed from your credit report after seven years or ten years for chapter seven bankruptcies. There is no law that states credit information has to remain for any length of time. This is what makes credit repair possible.

· Verified information: If the creditor replies back to the bureau in the allotted time, and verifies the disputed information is correct. This does not mean you have to stop disputing it. The bureaus may call this frivolous or irrelevant. This technique is called banking on human error.

· Inquires: When you apply for a loan, and a creditor checks your report. The creditors name appears on your report as an inquiry. Inquires may remain on your report up to two years. Most creditors only look at the past six months of inquires, when considering you for credit. If you have too many inquires, you may be refused . The company may think you have other new accounts pending, which could affect your available monies.

· Job time: Most finance companies like to see at least one year of job time at the same employer when considering you for a loan.

· Secured credit card: If you do not qualify for a standard card because of your rating, you can get a secured card for a minimal deposit. A secured card may have a higher interest rate, but it will help you build a good rating.