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Removing incorrect negative marks from your credit report
To improve your credit score, you should learn how to delete negative items from the credit report. These negative factors may not sound like much if you do not need a loan, however, when it's time for you to apply for a mortgage, car loan or even a new job, they certainly can affect what you expect to receive in a bad way.

The process of removing negative items from a credit report can take a long time, so be patient! One thing you should keep in mind is that one should not fall into the trap of getting involved with scammers that claim they can remove these negative elements in the coming weeks. It takes time to remove incorrect or derogatory items and improve a credit score.

The Fair Credit Reporting Act (FCRA) allows people to challenge information on the credit report based on the accuracy and completeness.

To begin to eliminate the negative elements, you need a copy of this report from the three top credit bureaus. Go through the report and check anything that you wish to challenge. If more than one item comes to light, you must take them up individually.

Gather the necessary documents, such as account statements, bank records showing the payment was processed. Then make copies of these tests and send them to the credit bureaus with your dispute letter. Be sure to send them by registered mail with return receipt requested.

Credit bureaus are required to respond within 30 days of the investigation. You should continue to check your credit reports daily and follow up with each point in dispute as is necessary. After investigation by the credit bureau, if the disputed information is found to be inaccurate or can not be verified then the credit bureau must remove such information in a timely manner.

If they can reply back to you in the window of 30 days, by law, they must eliminate the negative elements in the report.

However, if no response is received to your claim within the deadline, and you decide not to withdraw the notice then you have the option of filing a formal dispute.

Like anything else, to improve your credit score by removing negative items from credits report takes time and effort to do so. If you really can not find the time or have enough knowledge to do it by yourself, you might be better looking for a legitimate credit repair organisation with a good reputation to help you.

Copyright 2011