It is very unsettling to find mistakes in your credit report and even more so if a creditor has just said no because of a low score. The only thought that enters one’s mind is that if these errors were not present my score could have been higher and then may be the loan would have got sanctioned.

What you should do is to stay relaxed and work on the negative items on your credit report. It is legally possible to remove any inaccurate negative remark from your report. This article is meant to tell you step by step how to dispute the negative items on your report.

How to dispute negative items on your credit report?

1. Take a copy of your credit report and mark al the negative items which you think are not correct.
2. Now you need to write a letter to the credit bureau who has reported this negative remark. The address of the same would be available on the report itself. In this letter you should explain each negative remark that you are disputing. If possible attach a copy of any paperwork that you have with you that will back up your claim. But please do not send the original paperwork.
3. All this material must be sent through a certified mail requesting a return receipt. This will act as a proof that the packet had been received.
4. Now a similar letter will have to be mailed to the creditor who has reported it. Again this letter should include the copy of the related paperwork. You will find the address for dispute on the billing statement. Most of the time the payment address is not the same.

Now the credit bureau will get back to you within a period of 30 days.

There are options available to repair bad credit and raise your credit score. Something as basic as disputing negative items can help. These items can be taken off from your credit report, resulting in a significantly higher rating. Click the following link for more information on how to repair bad credit quickly and legally:
Fix Bad Credit

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