Comments on: How to Dispute a Credit Report Inaccuracy

on 4/21/2009 Can I use http://www.MyCreditEdit.com?

on 9/13/2008 Disputing credit needs to be done in writing! There is no paper trail with phone calls. Federal law defines time limits for verify and researching disputed credit reports which will be completely ignored if you don't have a paper trail.

on 11/22/2005 If you can not get an old debt removed from your credit report, you can negotiate to pay a smaller percent of the debt in full. If it is written off they will work with you to get that off your report. The company had already file your debt as a business loss. They may work to get a pay off, it doesn't hurt to ask. Tip: Do not let them know you are trying to get other credit (house, car etc.). they won't work with you as well.

on 11/22/2005 Dispute any credit info, no matter how small, with the creditor or collection agency. Most of the time, they don't want to be bothered with the time it takes to do this and will have to remove the negative info after 30 days (if it isn't validated by the original creditor to whom the debt is owed). There are many websites that have sample letters that you can send to the creditor asking for validation of the debt. It will bring your credit score up tremendously if they have to remove it from your report.

on 11/22/2005 Beware of credit counselor services. Although they may help you with your payments, they don't help repair your credit-worthiness. Never go on a 5-year program that is preset. Structure your own program to pay off your debts one by one, not as a whole.

on 11/22/2005 When trying to get financing at various times, several people told me they would correct mistakes on my behalf. They never did. Always do it yourself.

on 11/22/2005 Get your report from the credit bureaus themselves. Contact them to investigate the disputed item(s) - They MUST investigate. It is very inexpensive and worth the time and effort if you stay on top of it and follow through! You can clean up your credit!

on 11/22/2005 When correcting or bringing an error to the credit bureaus' attention, be sure to include the word "delete" upon correction. Otherwise, as I and others have experienced, the error will not be deleted from your record.