How to Get a Negative Comment Off Your Credit Report

Your credit score can affect many areas of your life, including lending, purchasing property and automobile insurance as well as gaining employment. Because your credit score is so important, you should check your credit report regularly and diligently work to have all negative comments removed. To get a negative comment off a credit report, one must dispute the item with the credit bureau that has reported it. The dispute process can be easily accomplished online.

Instructions

1

Acquire a copy of your credit report. It is best to have a copy that details information from all three credit bureaus as sometimes the information will vary among them. You want to make sure you get the negative item removed from every bureau that has it reported.

2

Access the credit bureau website and navigate to the section that allows people to dispute an item on their credit reports.

3

Use the information on your credit report to fill in the information section of the online dispute form. You need to know the exact item you're disputing and the reason why.

4

Check your email over the next 30 days to see the response from the credit bureau. The creditor has 30 days to respond to any dispute, or the credit bureau must remove the item from your account. If you do not receive response from the credit bureau within 45 days, and the item is still on your credit, submit the dispute form again with a note that this is the second time you are filing the dispute due to non-response.