How to Make Sure You Get It in Writing That Debt Collectors Will Drop From Your Credit Report

Aside from your Social Security number, your credit score is the most important number associated with your identity. Your credit score determines your worthiness for obtaining credit cards, automobiles, mortgages and even jobs. Having negative information on your credit report has disastrous ramifications on your credit score and can deprive you of opportunities in life. If you have any negative items on your credit file, do anything you can to get them removed. However, once you get the collector to agree to remove the information, be sure to get it in writing.

Instructions

1

Order your free credit report from annualcreditreport.com. This will allow you to see exactly what has been reported about you. It also enables you to be as specific as possible, leaving the collector with no wiggle room.

2

Provide evidence that the creditor's information is wrong and that the negative information is inaccurate. Send this information by mail to the creditor and wait for a response.

3

Follow up with your creditors throughout the dispute process. Call to make sure the dispute was received, and write down the date the dispute was received. You should also receive a notification from the creditor stating the date of receipt. Use this date to hold your creditors accountable if they take their time resolving your issue.

4

Call your creditors about a month after your dispute is received. The dispute should be reviewed by this point with a determination made. You should get a notification of the creditor's determination in writing regardless of the outcome, but ask for a copy to be mailed to your home. This is proof of the creditor's decision and should be used against the creditor if your credit report is still showing inaccurate information.