How to Get Credit Marks Off of Your Credit Report

You probably realize that it's important to maintain a good credit history. When you buy a car or home or apply for a credit card, your credit report is the key element that determines how much money you qualify for and what your interest rate will be. In some cases, utility providers and employers may also check your credit history before offering you service or a position. As a result, you should establish and maintain a good credit report. Sometimes, however, you still end up with a few blemishes on your report. Don't lose hope, though--learn how to have those marks removed form your credit history.

Instructions

1

Obtain a recent copy of your credit report from all three credit reporting agencies. Since each agency is different, your reports may contain conflicting information, so it's important to check all three.

2

Review each report carefully. Take note of any issue that you feel is incorrect.

3

Contact each of the credit reporting agencies in writing. Identify all of the issues you are disputing and request that they be removed or corrected. If you are requesting a correction, make sure to provide the correct information.

4

Provide your name and address as well as the reason for your disputes. Include a copy of the credit report from the specific credit reporting agency you're contacting, with the items in question referenced.

5

Send your letters by certified mail so that you can verify they were received. You should also keep copies of the letters for future reference. If you have a secure connection, you can also file a dispute online at each of the credit card bureau websites; however, experts recommend filing a formal dispute by certified mail.

6

Contact the appropriate creditors by mail to let them know you are disputing the information. If you have any documentation that supports your dispute, you should also include those items in your letter.

7

Wait for the issue to be resolved. Usually this takes about 30 days. If the credit reporting agency agrees with your dispute, the issue will be removed and you should receive a new copy of your credit report showing the updated information.