How to remove almost any negative item from your credit report

I will show you how to remove most negative items from your credit report with one simple letter.This works great with public record items like Bankruptcy,tax liens,Judgements etc.

Instructions

Difficulty: Moderately Easy

Things You’ll Need:

• Persistent
• Creativity

1. If a disputed item comes Back as "verified",request the method of verification. If you get a notice from your credit bureaus telling you the information you disputed has been verified as accurate, you can request the method of verification, which is your right under the FCRA section 611(a)(7). The credit bureau must give you this information within 15 days of the request.
2. This is an extremely powerful tool to use against the credit bureaus due to the fact that they are not doing a thorough job of investigating disputes. Below is a letter template that you can send to the credit bureaus if they come back with a "Verified" response when you dispute a negative mark.
3. CREDIT BUREAU VERIFICATION PROCEDURE REQUEST:
4. To Whom It May Concern:
   
   This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection (iii)
   
   611. Procedure in case of disputed accuracy [15 U.S.C. 1681i]
   (6)
   (B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)
   (I) a statement that the reinvestigation is completed;
   (ii) a consumer report that is based upon the consumer’s file is revised as a result of the reinvestigation;
   (iii) a notice that if the accuracy and the information shall be provided to the consumer by the agency, including the business name and address of furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed.
5. As a matter of convenience to you and to expedite my request, I am resubmitting my requested to correct my credit report.Name of Creditor/Agency, Account # ____________ ,list your reasons for disputing this negative mark here,inaccurate account information, dates wrong,etc.> As already stated, the listed item is inaccurate and incomplete,and is a very serious error in reporting.
6. sincerely,

Tips & Warnings

• Always send mail certified with return receipt
• Keep good records
• This method of credit repair works good with removing Bankruptcy most public record items on your credit report.
• Always consult legal adivce, this is for information purposes only!