You can dispute anything on your credit report, but first you should begin with any information you notice is outdated, wrong or misleading.
Scan your credit report carefully or mark any doubtful information or want to eliminate or erase.
After you have identified the details you want to dispute, you will have to write a dispute letter for every item.
Credit Bureaus are not obliged to validate a disputed item that they regard as frivolous.
To prevent being labeled as a frivolous dispute, it is better to dispute every item with a separate letter. Some experts maintain it is to your advantage to write your letters by hand.
If you just send a letter for every item you want to dispute, written on one page, they are quite likely to label your dispute as frivolous. Also change the reason for your disputes based on what item you are disputing.
A WORD OF CAUTION!!!
CAREFULLY RECORD EVERYTHING YOU ARE DOING!!
Keep copies of ALL of your dispute letters, and retain one for yourself. Remember to sign and date everything. Good documentation of your case can dramatically improve the chances of removal.
If you can provide documentation to support your claims, include it with the letter you send. Always keep the originals for your own records and dispatch the copies to your creditors.
When writing a dispute letter, always tell what item you want deleted from your report in a simple direct way, without giving a lot of information. Stress on words such as adverse, destructive, disadvantageous, disturbing, harmful, hurtful, injurious, negative, and unfavorable to indicate how the item is likely to damage your future creditworthiness.
SEND YOUR LETTER TO THE DISPUTE DEPARTMENT OF THE CREDIT BUREAU OR ELSE YOU WILL NOT SUCCEED!!
Send the letter by certified mail and standard first class with proof of mailing. The reason for sending your letters in this way is to prevent your creditor from denying the receipt of your certified mail, and if you can show that you have also sent a standard first class mail(along with proof), you can show you made a genuine attempt to contact the creditor by all possible means. Ensure you make copies of the ENVELOPES and the letter you are mailing
ALWAYS SEND PROOF OF YOUR IDENTITY ALONG WITH EACH LETTER!
Each letter should include a copy of your Social Security Card or Drivers License AND proof of address like a utility bill or phone bill having your name and address on it.